Smart and Sensible Ways of Investing


If you’re lucky enough to have some spare cash, you might want to consider smart ways to invest or how you can put it to good use. And good part here is that investing your money in a smart and sensible way is not as hard as earning that money.

Putting hard-earned money into ideas that can turn into significant profits over time has been a significant part of our lives.

6 Sensible Ways of Investing Spare Cash in 2020

Investing your money is a risky game, but it’s also an opportunity to increase your income. To better help, you find the right way to invest your money, here are just a few smart investment options that could offer a good return on what you put into them.

Put your money in a Savings Account

If you’re looking for a zero-risk way to invest 50k, a savings account is a full-proof way to do that. Unfortunately, savings accounts have low-interest rates compared to other forms of investment.

Regardless, you should at least keep your investment money in a savings account while you figure out what type of investment is best for you.

Invest in Property

Investing in property is not a quick win or an easy side hustle. But property can be very lucrative if done well.

Property investments are long term ventures so you need to be prepared to be in it for the long haul.

There are a variety of ways to invest in property.

Investing in a renovation project

Buying to renovate can be the fastest way to free up your funds again. But when choosing a potential property to renovate, you need to carry out your research on the area.

Planned work in the area and the local school catchment area could significantly affect the value of your property.

You need to be confident that the renovation work that you have planned will be sufficient enough to make your investment back and make enough profit to cover your time and expenses.

Investing in a Rental Property

Buying a property with the view to renting out is a popular way to invest in property.

The reason?

Rental properties come with less risk than any other methods and are generally easier to predict your level of return.

There are several options available to you when you buy to let. You could buy a home that is already tenanted, allowing you to continue with the current occupancy and arrangements.

Alternatively, you could buy a home that is ready to move into and start advertising for your own tenants. In most cases, it is recommended that you use a management agency to arrange this for you.

Peer-to-Peer Lending

Peer-to-peer lending is a means of giving out loans to other people online. The one who owes the debt then pays back the loan with interest, allowing you to make a return in the long run.

Peer-to-peer lending is best done through a regulated peer-to-peer lending site – using a trusted platform can help to ensure that you get your money back.

With peer-to-peer lending, you are not covered by the Financial Services Compensation Scheme (FSCS). Borrowers defaulting on their loans is a risk that investors need to consider.

So you should assess very carefully whether or not to invest in peer-to-peer is to consider what amount of money you can realistically afford to lose.

Invest in your own business

Starting your own business has endless opportunities for you to increase your income. More business ideas require at least some level of initial investment.

Whether that’s buying equipment, or a product, investing in a website, app, or skilled freelancers to help you.

Often the more you invest early on, the quicker you can get your business ideas off the ground and start generating profit.

Here are some profitable side business ideas that you could consider.

50k Business investment ideas

  • Dropshipping (an online business selling products)
  • Publishing a book
  • Influencer marketing (create a website or blog)
  • Home-Based Travel Agency
  • Delivery services (Uber and Deliveroo ).
  • Graphic, Web, or App design agency

Cryptocurrency as an Investment

Buying Cryptocurrency is a trendy digital investment. These are digital currencies that can be traded much like foreign currencies.

Bitcoin is the most famous example, but there are plenty of other cryptocurrencies to choose from. This type of investment can be fairly volatile – the changing value of cryptocurrencies is very difficult to predict. However, if done correctly cryptocurrency can lead to big gains.

Like most investment tools, there are risks attached to investing in cryptocurrency as well. One major risk is hacking.

Another issue with cryptocurrency is that since it is so new, governments are about to put regulations in place.

There’s no predicting where the cryptocurrency market could be in a few years’ time so this might not be for the more cautious among you.

Invest in the stock market

The stock market is one of the most famous ways of investing money. It is actually an excellent way to grow your wealth. And best of it no matter what happens in the world, investing in stocks is a good investment during market volatility.

 The stock market is a big place, worldwide in fact, and there are all kinds of lines of credit you can look into to bring in versatile assets.

By investing in a variety of individual companies as well as general stock, you’ll likely see more of a return than any other form of investment.

Or as a new investor, follow the mainstream and have a robo-advisor for the low-cost stock market and financial advice.

The main thing when investing in the stock market is to have a long-term vision.

To have a fruitful return, you have to follow trends very closely. If you want to follow up with every update, the expert says there is no bad time to get in the market if investing for the long term. 

Similar Articles


Ordinals are much like NFTs on other blockchains and are created by inscribing Satoshis with data (image, text, video, and any other type of arbitrary data). These digital artifacts don’t store data off-chain and don’t use smart contracts, although they’re perfectly compatible

 Stock Exchange graph on laptop and mobile screen

The Indian stock market is the best place for wealth generation. If you are a seasoned professional or a beginner investor, you need a thorough understanding of the stock market to make wise decisions.


With all the ascensions and popularity achieved by cryptocurrencies in the last few years, it would be fishy to claim that investing in one or two digital coins has never crossed your mind.


Australia's stable economy and regulatory framework provide a conducive environment for domestic and international investors exploring investment opportunities. This comprehensive guide will walk you through buying Bitcoin in Australia, providing a clear and concise roadmap to kickstart your cryptocurrency journey. 


Living in the technology era is an advantage for both companies and clients, as it is possible to make payments faster, easier, and more secure. For the past few years, crypto has shifted from being a speculative investment into a valuable transactional tool, and businesses worldwide have adopted cryptocurrencies as a payment method


As cryptocurrency continues to capture the attention of investors worldwide, Australians are increasingly drawn to the potential opportunities presented by this dynamic market. In the ever-evolving landscape of the cryptocurrency market, staying ahead of the curve is crucial for investors


Ethereum, the blockchain platform known for its native cryptocurrency, Ether (ETH), has become a focal point for investors and traders looking to explore the potential of the digital currency market. 

Top 5 Properties for First-Time Real Estate Investors

Real estate investments have always been a popular choice for people who want to diversify their portfolios and build long-term wealth. For first-time investors, however, choosing the right investment property can be a daunting task. With so many options available, it can be challenging to know where to start

Gold Bars

There are many reasons to invest in gold, but one of the most appealing is that it is a finite resource. While gold mining operations can extract large quantities of metal from the earth, there is only so much gold. As demand for gold increases, the price will continue to rise.