{"id":2388,"date":"2021-08-21T09:41:04","date_gmt":"2021-08-21T09:41:04","guid":{"rendered":"https:\/\/demo.wealthface.ca\/blog\/?p=2388"},"modified":"2021-12-22T10:40:28","modified_gmt":"2021-12-22T10:40:28","slug":"3-things-you-can-do-with-100k","status":"publish","type":"post","link":"https:\/\/wealthface.com\/blog\/3-things-you-can-do-with-100k\/","title":{"rendered":"3 Things you can do with $100K"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Fun Fact: According to a Bank of America research from January 2020, one out of every four millennials has at least $100,000 in savings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re one of the lucky ones looking to invest $100K, allow us to guide you today on some of the best ways to do that. If you have the patience, depositing the money in a savings account may be the best option. You might also put some of the money into real estate or a diversified portfolio of stocks on the market. Whatever you do, you want to be sure you&#8217;re thinking strategically and evaluating all of your options. Of course, finding a financial advisor to assist you with your investments is one method to make things a little easier.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before we dive into your various options, here are some things to keep in mind before investing:\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h2><b>Pay off any high debt you have!<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have large debt, your best strategy is to pay it off before investing in the stock market. This includes debt owed on credit cards as well as debt owed on other loans. Do not hold off paying your debt, as it will liberate you and give you financial independence.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h2><b>Have an Emergency Fund<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">An emergency fund is mainly money to spare for use in the event of an unexpected event. Let\u2019s say for example, you lost your job, or maybe had a major mechanical issue in your car, an emergency fund would be of help in these unfortunate events. Normally, an emergency fund should be able to cover six months of life expenses, keep that in mind!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you already have an established one, than that\u2019s great, just make sure it is well established and can cover all your needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now let\u2019s invest that $100,000 you have laying around!<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h2><b>Go for Stocks!<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With a risk level that can depend on each investor, stock investment is a good option no matter the amount you put in.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the simplest methods to develop long-term wealth is to invest in the stock market. After all, based on the timeframe you look at, the average stock market return has plummeted between 7% and 10% per year. Some years provide much bigger profits than others.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the midst of the COVID19 Pandemic, the Dow Jones yielded a 9.63 percent return in 2020.<\/span><\/p>\n<p><b>How?\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Even though the idea might seem overwhelming, here are some tips to get you started:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h2><b>If you are a risk avert, buy full stocks!<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When it comes to picking individual stocks, you must be extremely knowledgeable. Your level of diversification will be modest unless you buy in thousands of individual equities, which most individuals don&#8217;t.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h2><b>Invest in ETFs or Mutual Funds<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mutual funds and exchange-traded funds (ETFs) are stocks that have been pre-bundled for you so that you can make a single investment and gain immediate diversification. The difference is in the way they&#8217;re assembled, handled, and sold.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h2><b>Go for a Robo-advisor<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is your low cost investment option in stocks. It will allow you, especially if you are a first-time investor, to understand and create your own diversified portfolio and investment strategy. Learn more here.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h2><b>Think Real Estate<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You might want to consider investing in real estate by buying properties, or by taking part in real estate investment trusts. REITs are a way that allows you to invest in real estate without having to buy property. We recommend speaking with an expert before doing that to better understand the real estate market and further enhance your standing as an investor. It normally requires a balance to get started of around $500, with returns that can reach an average of 9.47%.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h2><b>Invest in Gold<\/b><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A medium risk level investment, investing in gold is a guarantee against possible crashes. Normally, we notice that the price of gold rises along with the rise of any other prices, so you\u2019re in a safe spot.\u00a0 This is a good option if you are looking to invest in assets that work independently of the stock market. Even though this will help you diversify your investment portfolio, the risk of your physical gold getting lost or stolen is real.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a nutshell, having $100K just laying around can be a hassle, and you should absolutely invest it if you\u2019re looking for long-term wealth and financial growth.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whatever you end up doing with your money, don\u2019t let fear hinder your process, because staying still can be lethal. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fun Fact: According to a Bank of America research from January 2020, one out of every four millennials has at least $100,000 in savings. If you\u2019re one of the lucky ones looking to invest $100K, allow us to guide you today on some of the best ways to do that. If you have the patience, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2389,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10,5,32,3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.9 (Yoast SEO v19.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Things you can do with $100K - Wealthface<\/title>\n<meta name=\"description\" content=\"3 Things you can do with $100K - Wealthface\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wealthface.com\/blog\/3-things-you-can-do-with-100k\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Things you can do with $100K\" \/>\n<meta property=\"og:description\" content=\"3 Things you can do with $100K - 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