7 Best Short-term Investments For Growing Your Money

To buy Municipal Bonds, you will need to have a brokerage account set up, which you can easily open online. It is very similar https://www.binaryoptions.net/iqcent-vs-world-forex to Corporate Bonds with the added benefit that it can be satisfying to know you are helping out your community. If you choose to invest in Municipal Bonds, you are basically giving a loan to the local government.

Smart Investing: A Comprehensive Guide To Finding Short-term Investments

This is a high-risk investment and you should not expect to be protected if something goes wrong. Understand the risks here.Don’t invest unless you’re prepared to lose all the money you invest. The system works — https://www.serchen.com/company/iqcent/ stocks rated “A” have historically delivered 32.52% annual returns. So if you’re targeting short-term gains, you can bypass strategies like Value and Large Caps and focus on more speculative (but potentially higher-reward) strategies like Technology and Under $10 stocks. For example, in 2023, Percent’s average term length of an investment was 9 months; deals are typically 6 to 36 months.

• The IRS treats different types of investment income in different ways, which can impact your actual after-tax returns.
• In finance, the purpose of investing is to generate a return on the invested asset.
• Investing in stock involves risks, including the loss of principal.
• Choosing the right short-term investment depends on your individual financial goals, risk tolerance, and time horizon.
• Money market accounts are a hybrid between a checking account and a savings account.

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Government money market funds1 hold Treasury and other securities issued by the US government and government agencies. There are 3 main categories of money market funds—government, prime, and municipal. (The weighted average maturity of securities in money market funds is 60 days or less.) They invest in high-quality, very short-term debt securities and cash equivalents with low credit risk and yields that tend to closely track changes in the Fed’s target interest rate. Money market funds can be a good option for money you might need on short notice, or that you are holding to invest when opportunities arise. A new survey by iShares and theSkimm shows women are taking charge of their financial futures, embracing risk, and investing for long-term growth.

• TIPS were designed to provide investors with some protection against inflation.
• Tucking money away while you’re young can make things much easier for you in retirement.
• 1Expense ratio data are as of the fund’s most recent prospectus.
• 3For the 10-year period ended September 30, 2025, 6 of 6 Vanguard money market funds outperformed their Lipper peer-group average.
• For a little help, use our free planning tools to get suggestions for an investment strategy and specific investments to consider.

Top Short-term Investments In มกราคม 2026

• Some of the best short-term investment options include short-dated CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills, according to experts.
• As rates fall, investors with short-term CDs and bonds coming due or who have been parked in money-market funds, may find they can’t earn as much on their money as they were a few years (or months) ago.
• Discover some the best growth stocks for มกราคม 2026
• With NAGA.com dividends are paid to your account in cash.
• With a CD, you make a one-time deposit when you open the account — you typically can’t contribute any more money beyond that initial amount.

These funds iqcent forex invest in bonds that mature in 1 to 3 years. U.S. Treasury bills (T-bills) and bonds are backed by the government, making them a very low-risk investment option. Understanding these core concepts can help you evaluate suitable short-term investment approaches based on your unique goals and financial situation. These strategies are often used by investors who prioritize liquidity or near-term capital goals.

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Bond funds are mutual funds or exchange-traded funds (ETFs) that hold bonds and debt securities instead of stocks. That’s pretty good, but what’s even better is that Public also offers a lot of other short-term assets to invest in, all in a single platform — bonds, T-Bills, stocks, and crypto, to name a few. Check out our article about the best investments for accredited investors. Unlike some private credit investing companies, Percent offers low minimum investments of only $500, which makes it way more accessible to get started than most people think.

Best Short-term Investments

So ideally you get potentially higher interest rates on longer-term CDs and closer access to a part of your money in the shorter-term CDs. Brokered CDs typically require minimum investments of $1,000 but Fidelity offers fractional CDs with minimum investments of $100. To pick the appropriate investments for your situation, there are some important considerations. IShares funds are powered by the expert portfolio and risk management of BlackRock. IShares unlocks opportunity across markets to meet the evolving needs of investors. Learn how these trends affect long-term investing.

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However, dollar-cost averaging is also generally characterized by more brokerage fees, which could decrease an investor’s overall returns. Research also shows that DCA can help reduce the total average cost per share in an investment because the method enables the purchase of more shares when their price is lower, and less shares when the price is higher. Essentially, momentum investing generally relies on the principle that a consistently up-trending stock will continue to grow, while a consistently down-trending stock will continue to fall. The price-to-earnings (P/E) multiple is also used for this type of investment; growth stock are likely to have a P/E higher than others in its industry. Growth investors seek profits through capital appreciation – the gains earned when a stock is sold at a higher price than what it was purchased for.

Of our money market funds outperformed their peer-group averages.3 You can use a money market fund to save for short-term goals such as a wedding, a down payment on a home, or an unexpected life event. Money Market funds offer lower market risk and give your savings an opportunity to grow. You can also consult with a financial advisor or conduct your own research to determine which investments are best for your needs. Look for investments that align with your goals and risk tolerance, and compare their features, such as interest rates, fees, and liquidity.

Compare Our Money Market Funds

When you are investing in short-term corporate bonds, you are lending money to a company. Short-term investments, on the other hand, are more liquid, meaning you can access your money at any time or within a few years. While long-term investments usually bring much better returns, not everyone wants to lose access to their money for long periods.

Profits from selling stocks or ETFs that you held for under a year are considered short-term capital gains. This is always a risk with stocks, but the risk becomes even higher when you are counting on a quick turnaround. While this will not buy you a new house, you can use the cash back to fund moving costs, a vacation or another big purchase. However, they can be a great way to make your money work for you, even that money is not actively invested. You can buy notes directly, or you can invest in a mutual fund or exchange-traded fund (ETF) that invests in notes.

• Equity index funds are investment funds that aim to replicate the performance of a specific stock market index, making them one of the best short-term investment strategies for high returns.
• Both offer virtually zero-risk and can return between 3% and 5% depending on the current interest rate environment.
• Finding the right short-term investment opportunities requires research, due diligence, and a clear understanding of your investment goals and risk tolerance.
• To receive the dividend for your short-term investment, you’ll need to be on the company’s shareholder books before the ex-dividend date.
• Ideal for meeting short-term goals (e.g., travel, tuition)

Even better is that Percent offers investment horizons as low as one month, so you should be able to find an opportunity that meets your needs without much difficulty. The company’s platform makes private credit investing as easy as any traditional brokerage. In my opinion, Percent is by far the best way to get into private credit investing for people who have never been featured in Forbes. Fundamentally, It’s no different than buying stock in a publicly traded company, except the company you’re investing in is not publicly traded. Investing in private credit involves lending money directly to private companies that aren’t listed on exchanges and don’t have access to public bond markets.