Where Are You Keeping Your Money?

Personal finance

Where have you been putting your money? Most of us want to keep our money somewhere interesting. We search the web to see where we can invest and how to invest. I’m here to give you some help by throwing out some of the most common options.

Where can you keep your hard earned savings?

Your checking account.

Some folks keep their money in their checking account or a fairly-liquid account because they refer to this as their “emergency fund.” While it’s easy to scoff at this idea, it makes sense because you always have access to your money. You don’t have to stress about ever going broke or covering for emergencies. You don’t have to use your credit card to pay for it and then worry about insane interest rates.

What if you want to take some risks?

The stock market.

This is of course one of the more riskier options because there are no guarantees. When you invest in a specific stock, you have to worry about every single move that the company makes. If there’s a public blunder, you can almost always guarantee a drop in stock price. You always have to stay on top of the moves that the company is making. This isn’t passive at all.

On the bright side, the returns can be higher. When the returns are high, you’re smiling and proud of your investment. Just please remember that there are risks involved. Don’t get too greedy. I’ve gotten far too greedy in the past. I once could have cashed out and doubled my money. Instead I waited. Why? Because I wanted more money! What happened? I lost money because I waited too long. You live, you learn.

Real estate.

Real estate is where you need to have the most money to get involved. You need dozens of thousands of dollars before you try to apply for a home mortgage. You need to tie up a serious amount of capital into a property because property isn’t cheap these days.

Since I recently invested into real estate, I’ll share my best tips on the topic:

  • Research all properties in advance.
  • Save lots of money.
  • Perform the property management all on your own.
  • Ask for many opinions.
  • Shop around for the best mortgage rate.

Safe investments.

This is where a term deposit comes into play. Term deposits are a stress-free investments with flexible options. These are ideal for those of us that don’t want to stress about our money. We work hard enough. We don’t have to risk the chance that we could lose any of our money. That’s the last thing you need.

Where are you going to keep your money? These are some of the top options, but you don’t have to limit yourself to what I covered on here. There are tons of other options.


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