Business & Investment

Top 5 Safe Ways to Invest 100,000 Dollars in Our Future

Money comes with its own pressure and if you don’t have a way of directing this pressure, you might end up spending all without any savings.

One way to multiply your money is through investing in money-generating avenues.

Where you have $100,000 or $ 10,000, coming up with a plan of how you are going to invest your money still remains a critical step in developing wealth.

There are many ways that you can invest your $100,000 of which you can decide to either generate money faster or to wait for some years before you can get desirable profit. The economic future can be brighter or otherwise depending on the method you have chosen to use. Here are some of the platforms where to invest $100k and gain some returns:

1. Venturing into Real Estate

The value of land is not coming down anytime soon and as a matter of fact, it will keep on rising. This makes real estate a safe lucrative venture to direct your money into.

More people continue to look for residential places in a town near their workplaces and better transportation. The fact is that they will need your houses to rent.

Whether you decide to buy for land and wait for it to appreciate or you decide to build some few houses for rent, the returns will be overwhelming.

Read More: Real Estate in Nigeria – Problems and Investment Opportunities

2. Starting a profitable business

This is one way you can have constant cash flow into your account. For you to ensure that you are safe, you need to carry out research and know exactly what people are in need of.

People will always need services or products for their survival. Depending on your country and location, you can decide to invest in a business.

Seeking expert advise is a great way to get started. You can then come up with a business plan to ensure all your money is utilized properly.

3. Buying short-term bonds

Well, bonds still remain the safest means of diversifying and investing your money but the returns are usually very minimal.

However, if you can purchase short-term government, municipal or treasury bonds, you are in a better position of making great profits repeatedly.

Try and avoid those long-term bonds since you will end up having low profits after some 3 decades.

Read More: 8 Steps to Invest in the Nigerian Stock Market and Enjoy dividends

  1. Investing in a high-profitable savings account

This is almost risk-free just like government bonds. However, you have to keep up with the low returns. It is better to have low returns than losing all your money.

If you have not yet known what you are supposed to do with your money, then you can decide to put your money in a savings account where it will be generating interest.

Eventually, you will end up having more money. Nevertheless, invest in a financial institution that is high-yielding.

  1. Invest in index funds

This is almost like investing in the stock market but index funds are less risky compared to forex and stocks. This a great way of channeling your money because of its attractive returns.

Using your index funds you can buy stocks from the well-performing companies in a diversified manner. You will be surprised how much you will have as your profit.

Forex can be a great way of investing especially when using automated trading platforms like but since you want to play safe, then just play with index funds.

Read More: Forex Trading in Nigeria – How to Start and Succeed Beyond Your Wildest Expectations!

We have just listed the most reliable ones. However, for you to see the desired returns from the investments, first, try as much as possible to avoid any unnecessary bills with the IRS because huge taxes are some of the causes most businesses are folding up.

Secondly, you should ensure you invest your money in a place where IRS cannot come across them. Finally, you should avoid unnecessary costs.

Of course, there are little costs that you are going to face in your investment journey but that should not make you reduce your fortunes and profits.


With 100,000 dollars in your hand, you have a lot of options you can engage in and become the millionaire you want to be. If you use it wrongly then you are likely to be poor. Diversifying your investment could be a great way of building your wealth; avoid putting all your eggs in one basket.

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Ifiokobong Ibanga

Ifiokobong Ibanga is the founder of InfoGuide Nigeria is a team of Resource Persons and Consultants led by Ifiokobong Ibanga. Page maintained by Ifiokobong Ibanga. If you need a personal assistance on this topic, kindly contact us.

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