How To Invest 100k in Australia – Easy Ways To Invest in 2020

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Best Ways to Invest $10,000

Have $10,000 to invest? Here are 14 smart investments ideas that will turn that $10k into even bigger money.

What would you do if someone handed you $10,000? Would you go on a shopping spree, put it in a savings account, or contribute to the latest trendy investment?

Before you decide, consider your options.

Come up with a strategy to increase the chances of building on your capital. (And if $10,000 is too steep for your current situation, find great tips to invest $100 here.)

Here are some ideas on how to make the most of your $10k.

Shortcut: If you are really eager to start investing, one of our recommended choices is Betterment. They have no minimum balance, low fees and good returns. It’s a great choice for beginners and the app is very easy to use.

Before Investing

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Before you jump right into investing your money, take inventory of your financial life. Ask yourself the following:

  • Do you have a lot of personal debt?
  • Do you have a 401(k)?
  • Do you have an IRA?

You may want to get a handle on these things first. Here’s how:

    Pay Down Your Debts
    We don’t normally think of paying debts down as investing. But it can just as profitable, and sometimes more, in the long run. Here’s an example.

You can obtain a 5% rate of return on your investment portfolio. But you have $5,000 in credit card debt and you pay 23% interest.

If you invest your $10,000 rather than paying the $5,000 off, you actually lose 18% (= 23% – 5%). So paying off the credit card debt first is the smart move here. THEN you can invest the remaining funds using one of the strategies below.

Keep in mind that some interest is tax deductible. Credit card interest isn’t but home mortgage interest is. In this case, look at your after-tax rate of return to decide what to do. Here’s an example:

You’re in the 28% income tax bracket and pay a 5% mortgage interest rate. That means, you only pay 3.6% in mortgage interest after taxes (= 5% x (1 – .28)).

If you find an investment with a rate of return higher than 3.6%, then it makes sense to invest rather than pay down your mortgage. Once you pay down your debts, we recommend you focus on your retirement plans.

Plan for Retirement
Ask yourself two questions:

  • Do you have a 401(k)?
  • Does your employer match contributions?

First of all, if you don’t have a 401(k), you should. This is especially important if your employer matches contributions.

Check with the HR department to see what percentage your company matches. Make sure to contribute at least that amount—otherwise, you’re turning down free money.

Even if your company doesn’t match, consider contributing the maximum amount. It’ll give your retirement savings a boost AND lower your taxable income.

You may also want to consider opening a traditional IRA or Roth IRA to supplement your long-term savings. Here are two situations to consider:

If you’ve maxed out your 401(k) contributions, you can put up to $5,500 ($6,500 a year for those 50 or older) post-tax in a Roth IRA annually. And the best part is, you won’t be taxed when you withdraw this money after retirement.

Open an Ally Invest IRA today. No IRA fees

If you are self-employed, you can contribute up to $5,500 a year ($6,500 a year for those 50 or older) and that amount may be tax-deductible.

Depending on your situation, you may have other retirement savings options when self-employed. These include: starting a 401k or a SEP (Simplified Employee Pension) IRA. Check with a tax professional to review your options.

Now that your financial house is in order, read our list of the best ways to invest $10,000.

Investment Options

© CreditDonkey

You’ve set goals and timeframes, lowered your debt and, funded the proper retirement accounts. Now it’s time to try making some money.

Here are some great options for investing $10,000, starting with the ones that can offer great returns—but also some risk.

    Market risk: These are things you have no control over. If the overall financial market suffers, even diversification (basically having a balance of investments in your portfolio) doesn’t eliminate risk.

Business risk: If you invest in stocks, a company’s corporate decision could affect your investment one way or the other. If the market perceives decision as bad, the stock price could plummet.

Political risk: Political events also may affect the market. Think about how the public reacts to major government events and decisions. These reactions can affect your investments, both foreign AND domestic.

Liquidity risk: The time and cost involved in converting an investment into cash contributes to its risk. The more time or cost involved, the higher the liquidity risk.

  • Concentration risk: The less diversified your portfolio, the higher your concentration risk. If you only hold two stocks and one of those plummets, your portfolio will take a big hit. But that’s less likely if it’s one plummeting stock out of 20.
  • Remember the greater the possible reward, the higher the risk. When you take a loss, you’ll need to decide whether to pull your investment or wait it out in hopes of reaping a higher return before too long.

    © CreditDonkey

      Invest in Stocks
      You don’t need a stockbroker to trade stocks. Today, you can use an online brokerage account, such as E*TRADE, among many others. Choose a company offering a simple interface and resources for new investors. Read How to Invest in Stocks for Beginners for more.

    Once you choose an online broker, create an account. As a customer, you may have access to more resources. Take your time to learn about each company.

    Read news, stock performance histories, and professional forecasts. Then choose one or two stocks to start your investment. Hold off on investing a lot until you have a good handle on the process.

    When you have a handle on investing in stocks, create a plan. Set the amount you want to invest. Also, know the threshold for the amount you can lose.

    This way you can remove the emotion from the process. Seeing your money plummet can force you to make a hasty decision. Have a plan in place and stick to it.

    Consider a discount stock broker like Ally Invest:

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    Invest in Mutual Funds
    Mutual funds and ETFs offer diversification. Rather than investing in one company as with stocks, they diversify between stocks, bonds, and other short-term investments. They can invest in many securities all at once.

    First, choose a brokerage. Charles Schwab, Vanguard, and Fidelity are among some of the most popular. See How to Invest Money for more detail.

    Longer-term goals, such as retirement, do well with index funds. These funds mimic a specific index, such as the S&P 500. They offer diversification and a long-term investment strategy. The returns on index funds closely mimic market returns. They require very little management and often have lower fees.

    Invest in Bonds
    Buying a bond is basically just buying debt. You can invest in them much like you would stocks (for the differences between stocks and bonds, read our guide ).

    Overall, bonds tend to be more predictable than stocks. There are three main types:

    • Corporate, which are offered by corporations looking to raise capital
    • Muncipal, which are issues by towns, cities and states to fund public projects
    • Treasury, or T-bonds, which can be purchased directly from the U.S. government

    Bonds also receive different ratings based on the credit of the issuer. Typically, you can calculate your return BEFORE you purchase a bond based on rate and period of maturity.

    But as with any investments, bonds do carry some risk. For example, when interest rates rise, bond prices fall. This means that if you choose to sell a bond before its maturity date, you could make less than the price you paid for it.

    Bonds generally must be purchased through a broker though T-bonds can be bought directly from the government.

    Try a Robo Advisor
    If you think $10,000 isn’t enough for a financial advisor to take you on as a client, consider a robo advisor, such as M1 Finance. A robo advisor is an automated advisor – really, a software program – that does the work for you. Find out more about the M1 Finance fees in our full review.

    Betterment is one the most popular robo-advisors with low fees and no account minimum. You can get automated portfolio management and access to financial experts.

    Betterment

    • Annual Fee:0.25% for accounts under $100,000; 0.40% for accounts $100,000+
    • Minimum Deposit: $0

    Try a new investment platform
    If you prefer a little more control over what you invest in, consider Motif. As the investor, you create your own mutual fund. You also have the option to invest in someone else’s motif. These are different from pooled funds, like mutual funds.

    With Motif, you own the stocks within the investment, but you determine the dollar amount invested. You don’t buy a specific number of shares. As a bonus, you don’t pay administrative or management fees. Motif is a hybrid of the robo advisor and a DIY investment strategy. You control certain factors, such as the industries you want to invest in, and Motif does the rest.

    If you want to give real estate investing a try, Fundrise is a smart idea. Users can invest in private real estate without dealing with tenants, maintenance repairs and other problems in traditional rental estate.

    Starter Plan

    $500 Minimum Investment

    Start your own business
    If you are tired of the 9-to-5 grind and want to answer to no one but yourself, this could be your chance. But you’ll need a great idea—and a solid business plan—before seriously considering starting your own business.

    Unless you have a lot of experience in the industry, make sure you get the help necessary to help you succeed. We recommend visiting the Small Business Administration’s website before starting. They offer many resources and steps for beginners and even the experienced business owner.

    Give peer-to-peer lending a shot
    Peer-to-peer lending is a somewhat new method of investing. It’s a good choice for investors who don’t want to deal with a financial institution. Instead, you become the lender. By joining a P2P platform, you can connect with borrowers all over the world.

    The benefits of P2P lending are the high rate of return and lower risk. As an investor, you may pay an origination fee, closing fee, or an annual fee. Lending Club and Prosper are the top two P2P platforms operating today. They work as the intermediary between you and the borrower. They fund the loans (after you pay them), collect payments, and help with litigation should the borrower default. You can diversify your risk by lending money to multiple borrowers at once. Your $10,000 could fund many borrowers with low borrowing needs.

    Keep reading for some low (or no) risk investment ideas you don’t want to miss.

    © CreditDonkey

      Look at CD rates
      If you are looking for a risk-free investment with decent returns, look at CDs. We recommend using an online bank rather than a traditional bank like Chase. They tend to offer higher rates.

    Pro Tip: A popular option to consider is CIT Bank. They provide a selection of CD rates and terms to choose from that help your savings grow.

    With CDs, the longer you invest the money, the higher the APY (Annual Percentage Yield). Also, the higher the account minimum required, usually the higher the APY.

    Certificate of Deposit

    • 1.75% APY for 12-month term
    • 1.75% APY for 24-month term
    • 1.80% APY for 5-year term

    CIT Bank Term CDs

    • Up to 1.86% APY
    • $1,000 minimum opening deposit
    • No monthly maintenance fee
    • FDIC insured
    • Daily compounding interest
    Term CD Rates
    6 Month 0.72% APY
    1 Year 1.86% APY
    13 Month 1.82% APY
    18 Month 1.85% APY
    2 Year 1.40% APY
    3 Year 1.30% APY
    4 Year 1.50% APY
    5 Year 1.70% APY

    Fill a savings account
    When we talk about savings accounts, we don’t mean the account at your local bank where you have a checking account. They probably offer measly returns. We mean online savings accounts where you could obtain rates as much as 10 times higher than your local bank. One such account, with a high APY, is CIT Bank’s Savings Builder (read our review). Take a look at our CIT promo code page to learn more.

    You should consider a few things before you invest. Make sure the FDIC insures the bank. Also, read the fine print regarding withdrawals. Make sure you have access to your money when you need it. Some banks may charge fees for withdrawals. Check for required account minimums too. If you prefer a debit card, look for banks that offer this service.

    CIT Bank Bonus Offer: $300 for New and Existing Customers

    CIT Bank now offers up to $300 cash bonus for new and existing CIT Savings Builder customers. This limited time promotion expires May 30, 2020. Conditions apply.

    Discover Online Savings – $200 Cash Bonus

    To get your $150 or $200 Bonus offer: What to do: Apply for your first Discover Online Savings Account by 4/6/20, 11:59 PM ET, online or by phone. Enter Offer Code CY320 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 4/20/20, 11:59 PM ET. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 5/4/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice. See advertiser website for full details.

    Invest in yourself
    Did you ever think of investing in yourself? You could:

    • Take online courses
    • Go back to school full-time
    • Hire a personal coach

    or find other ways to better yourself. No matter which avenue you take, you’ll gain new knowledge and skills.

    You can then take these skills out into the world and make money. They may provide new opportunities for employment, especially if you add a designation to your title.

    Certain designations offer you the opportunity to be listed in online directories, such as a CPA. This may result in more business and earnings for you. It’s also a great way to enter a new industry. The money can help you make smarter decisions, try new opportunities, and make more money.

    That number jumps to $78,000 for those with master’s degrees. Salaries vary significantly by industry, however.

    Try Fulfillment by Amazon
    Fulfillment by Amazon is like other selling sites, but easier. You supply the items you sell, but you ship them to Amazon.

    You market the products on Amazon’s website. Once sold, Amazon ships the items for you. It’s the simplest form of selling products online. You don’t need coding, graphic design, or social media experience for success.

    You’ll have access to Amazon’s large marketplace of buyers, and you only do a fraction of the work involved with other selling sites. It almost provides immediate gratification. You can sell new or used items. You can also choose between the individual account (a free account) and the professional account ($39.99 per month).

    Fix up your home
    Your home may be your largest investment. If it’s outdated or needs a facelift, certain improvements can have a direct impact on your home’s value.

    You don’t need to make drastic changes to see a large improvement in value. In fact, major bathroom and kitchen remodels often don’t have a large return on investment. New siding, new roof, and new windows often pay off better.

    Small changes within the kitchen or bathroom, such as the addition of granite countertops, often pay off. Another change with a large ROI is updating the home’s curb appeal. You may even get bonus points for energy efficient changes you make. Depending on the tax year, you may get a tax break for the new changes made.

    Home improvements can add even more value to your property.

    Start a blog
    If you have a passion for the DIY, consider starting a blog. Many people use this as a side gig. They write when they have time and become affiliate partners with businesses to make money.

    Starting a blog won’t cost $10,000, but having some capital helps. For starters, you can further your education before starting. Take classes on starting a blog or get in-depth training in your chosen industry. The more you have to talk about, the better, so education helps. You’ll also need money for the domain name, platform, and website hosting. You may also need to upgrade your computer equipment, camera, microphone, and video equipment.

    Start a podcast
    If writing isn’t your thing, but you love to talk, consider starting a podcast. It works like a blog, but you don’t host a website. You will need a host for your podcast, though. When you first start, your free website may offer enough support. As you gain more followers, you may need greater capabilities. Too many listeners can cause glitches in your podcast. This could be bad for your following.

    Today, SoundCloud and Amazon S3 top the charts in podcast hosting. No matter which you choose, read the fine print. Some services, including Amazon S3, charge a base fee, but it increases as your following increases. Just like a blog, though, you can monetize your podcast. You can sell advertising time within the podcast or let a company advertise on your host page. This can help you afford the podcast hosting fees.

    Watch Out! What to Consider Before Investing

    © CreditDonkey

    Before that money burns a hole in your pocket, consider your goals and timeframe. Are you going to need to use it anytime soon? If so, avoid putting it somewhere that’s too risky, especially if you might need it in the short-term.

    Read on to learn what you should consider.

      Start with Your Goals
      What do you dream of doing with your $10,000? Will it fund a luxurious vacation, help you retire, or buy a house? First, categorize your goals as being long-term (retirement) or short-term (vacation).

    Determine the Timeframe
    Divide your goals into categories:

    • Less than 1 year = short-term goals
    • 1-5 years = intermediate goals
    • Greater than 5 years = long-term goals

    These timelines dictate the level of risk you may want to take. Here’s a basic rule: The shorter the timeframe, the less risk you can take. The longer the timeframe, the more risk you may be able to handle.

    Riskier investments tend to have more ups and downs. Do you have time to ride them out – and perhaps get a greater return? It’s a key question for every investment you make. Apps, such as Personal Capital, can help you look at all of your investments at once to see how they’re developing. Read more in our full review of Personal Capital.

    Assess Your Ability to Take Risks
    Your personality helps determine your risk level too. If you worry a lot, less-risky investments may be better. Obsessing over your investments isn’t healthy. They may cause you to make rash decisions, affecting your finances. If, on the other hand, you don’t worry much, more risk may work if you’re okay with potential losses. Knowing you are in it for the long run may help.

    One good choice is the Vanguard Total Stock Market Index Fund ETF (Ticker symbol VTI). The fund is designed to track the performance of the Center for Security Pricing (CRSP) US Total Market Index, which represents approximately 100% of the investable U.S. stock market and includes large-, mid-, small-, and micro-cap stocks regularly traded on the New York Stock Exchange and NASDAQ. Total annual fund operating expenses are a miniscule 0.04%. So, for a $1,000 investment, $999.60 would be put to work and only $0.40 would go to fees. And there is no minimum investment required.

    Robert R. Johnson, professor of finance at Heider College of Business, Creighton University, and co-author of Strategic Value Investing and Investment Banking for Dummies

    In a perfect world, a balanced portfolio works best. It gives you a mix of risky and non-risky investments. When risky investments lose money, they can often be offset by more stable investments over time.

    But don’t risk losing money you may need in the short term. Consider creating a rainy day fund first to cover unexpected expenses, including car repairs, illnesses or even loss of a job. Or invest that money in a risk-free option like a high-yield savings account or CD.

    Evaluate the Fees
    Most people investing $10,000 don’t hire a financial advisor. The fees alone would eat away your profits. Instead, they handle their own investments. Even without a financial advisor, though, you may pay fees. Look closely at the fine print before choosing an investment.

    Fees you should watch out for include:

    • Stock trading costs: Cost of buying or selling a stock
    • Annual fees: Cost of holding an account with a particular company
    • Account minimums: Fees you pay if you don’t meet the required minimum
    • Account maintenance fees: Fees to have your investment accounts at the financial institution
    • Sales loads: Fees added to mutual funds upon purchase or sale (you should avoid these)
    • Advisory fees: Annual fees paid to the investment professional assisting with your portfolio
    • Expense ratios: Annual fees charged by mutual funds or ETFs, as a percentage of assets

    Just as you might comparison shop for large ticket items, you should do the same for an investment firm. Ask about their fees. You may even be able to negotiate some of them. Keep in mind, though, if you decide to change brokerage firms, you may face tax consequences. For more information on fees, see How to Invest Money.

    If you are unsure about a brokerage firm, a great tool to use is BrokerCheck. They provide information about a broker’s background, experience, and prior complaints.

    Bottom Line

    © CreditDonkey

    Your $10,000 has a promising future…as long as you have a smart plan to invest. Start by answering the following questions:

    • Evaluate your situation: Do you have a retirement account? Do you contribute the maximum amount to it?
    • Are you in debt? Is your interest rate higher than any rate of return you could get?
    • Do you understand mutual funds, robo advisors, and stocks?
    • Do you want to try something unique?

    Knowing your situation will help you make a more informed decision. Many investment options have small minimum requirements and low fees. Shop around and consider your options to find the best way to grow your $10,000 investment.

    Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

    How to Invest $100,000

    Have $100,000 burning a hole in your bank account? It may sound like an unlikely pipe dream, but windfalls happen: You sell a larger home to downsize; you find a buyer for your small business; a relative leaves you an inheritance. Or maybe you’ve simply chipped away at building wealth over the years and are ready to put that savings to work.

    For the purposes of this article, we’ll assume you’re already standing on solid financial ground: You have no revolving high-interest (credit card) debt, you’ve got an adequate cash cushion to cover any emergency expenses, you’re able to easily cover your monthly expenses and have any money you need for nearer-term expenses (home improvements, tuition, family cruises) set aside and not invested in the stock market.

    Now, let’s get to work on investing that $100,000.

    » Want help investing? Jump off here to see our picks for the best robo-advisors.

    1. Decide what type of investor you are

    There are no two ways about it, $100,000 is a lot of money and deciding how to invest it can be equal parts exciting and overwhelming. Luckily, you needn’t navigate this journey alone. Finding the right help depends on the type of advice you want, how much guidance you want, and how hands-on or hands-off you want to be:

    • I’m a DIY investor. If you’re the hands-on type, it’s cheaper — and easier — than ever to create, research and manage your own portfolio. Before you begin, decide which trading style is best for you — active trading, day trading or passive investing. Once you’ve opened an account with one of the many online brokerages, you’ll be able to take your pick and choose among a variety of assets (think: stocks, bonds, mutual funds, ETFs and options). Consult our picks of the best stock brokers.
    • I’d like to automate this process. Looking for a low-cost/low-hassle solution? Robo-advisors are a good option. These companies offer automated portfolio management for less than you’d pay a human to do the same thing. But many providers offer a human touch, where you’ll have access to financial advisors who can answer investing questions or customize your portfolio. We’ve rounded up the best robo-advisors, depending on your needs.
    • I’m seeking full-service guidance. If you want someone to make investment recommendations, manage your windfall and address other financial planning tasks on your list, you might consider hiring the next step up from a robo-advisor, an online financial advisor. These are less expensive than traditional financial advisors, but offer a similar level of service. View our list of the best financial advisors.

    2. Pad your nest egg

    Once you’ve determined what type of investor you are, time is of the essence to start putting that money to work in the market. A $100,000 windfall offers a unique opportunity to pad your savings — and beyond, maxing out your retirement account (more on that later).

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    Perhaps you’re thinking, “With this kind of money we can pay cash for the kids’ educations so they can graduate without any student loan debt!” Instead, consider this: In Maslow’s hierarchy of needs for finances, “pay yourself first” forms the foundation of the triangle. Therefore, your needs come before saving for your child’s college tuition. The kids can get scholarships or loans, or work their way through school; similar opportunities aren’t available to retirees. (Learn more about how to prioritize your financial goals.)

    Investing, say, $70,000 of that windfall and earning a 6% average annual return will mean an extra $300,000 in 25 years — the kind of padding that makes it less likely you’ll run out of money and have to move in with the kids. Use a retirement calculator to see how extra dollars affect when you can retire and how much monthly income you’ll have in the future.

    » Read up on the basics: How to invest in stocks

    3. Max out retirement (and avoid the IRS, while you’re at it)

    Don’t even think about the Cayman Islands. There are legal ways to dodge the IRS, at least for a while, and one of the best is to stuff as much of that $100,000 as possible into tax-favored retirement savings accounts.

    Employer-sponsored retirement plans, like a 401(k) or 403(b), and individual retirement accounts, like Roth or traditional IRAs, can help shield tens of thousands of your dollars from taxes. (Learn more about the differences between IRAs and 401(k)s.)

    With $100,000 at your disposal, you can afford to max out both a 401(k) and an IRA if you’re eligible. In 2020, the 401(k) contribution limit is $19,500 for those under age 50. Combine that with an IRA contribution limit of $6,000 and you can contribute a total of $25,500 ($33,000 for those 50 and up). For 2020 the total came to $25,000 ($19,000 for the 401(k) and up to $6,000 for an IRA), and $32,000 for those age 50 and older.

    » Ready to max out? Consult our picks for best Roth IRA or IRA accounts, or compare options below:

    How to Invest 100k in 2020? 6 Right Ways to Invest Your Money

    You have a $100,000 lying around, and you have no idea what to do with it. You’re in a position that many people would love to find themselves in. Blowing your money isn’t an option since you’ve got to find a way to turn that hundred grand into more money.

    If it were up to many, they would go on a trip around the world and blow as much cash as possible. you’re the type of person who thinks about the future, and that’s why you want your nest egg to grow over time. Here we’re going to give you some great ideas on how to invest 100k.

    1. Invest in the Stock Market

    You saw this one coming a mile away. What stock do you invest in? Some people are going to tell you to spread your money out to minimize your risk. Spreading your investment also means not making the most that you can.

    What happens if a stock takes off like a rocket, and you only have a tiny percentage of your money invested in it? You’re not going to make much, if anything, when the stock climbs up in price.

    If you’re the gambling type, then put a significant portion, or all of your money, in one stock. Make sure that it’s a rock-solid stock with plenty of growth potential. If you’re willing to take the risk, then the reward can be massive in a short time. It’s not unheard of for a stock to double its value or more in a year or less.

    2. Further Your Education

    Here is an investment that almost all of you will overlook. What about taking at least a portion of your money and using it to further your education? Have you ever thought about getting a new degree or going for a masters or doctorate? If not, why not?

    If you invest the money into yourself, it will have the most significant return. You are by far the most important thing you’ll ever invest in. Yes; the returns won’t be immediate, and no, they are huge right away.

    The return on your investment compounds throughout your life when you go back to school. Think about how much more you’ll earn until you retire if you could get a better job. Investing in yourself always has the highest returns and those who understand that end up living a life of success.

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