An investment of $10k into the financial markets offers plenty of opportunities across several asset classes.

The purpose of this beginner’s guide is to assess the best way to invest $10k across 10 core markets – including but not limited to index funds, stocks, crypto, and gold.

We also offer some insight into how investors can determine the best assets for their $10k portfolio based on their respective financial goals and risk tolerance.

10 Best Ways to Invest $10k in 2022

Investors might consider the 10 asset classes and markets below when assessing the best way to invest $10k.

  1. Invest in Top Crypto Projects – Inject Some Capital Into High-Growth Cryptocurrencies Like Tamadoge
  2. Index Funds – Invest in Hundreds of Stocks via a Single Trade
  3. Commodities – Hedge an Investment Portfolio With Gold, Oil, and Other Commodities
  4. Crypto Staking – Generate a Fixed Rate of Interest By Depositing Crypto Into a Staking Pool
  5. NFTs – Find Undervalued NFTs to Flip
  6. Stocks – Buy and Hold Individual Stocks
  7. ETFs – Invest in a Group of Assets via a Managed Fund
  8. Crypto Interest Accounts – Passively Earn Interest on Long-Term Cryptocurrency Investments
  9. 401k Plans – Invest in Tax-Efficient Way Through a Traditional or Roth 401k
  10. Copy Trading – Day Trade Stocks and Other Assets Passively

Investing in promising new cryptocurrency projects, such as new gaming token Tamadoge, is our top investment pick. Click the link below to learn more about Tamadoge.

As we explain in more detail shortly, the best way to invest $10k is to create a diversified portfolio with assets of various risk profiles and upside potential.

A Closer Look at the Best Ways to Invest $10,000

Investors should consider their personal goals and tolerance for risk when assessing how to invest $10k.

In addition to diversification, dollar-cost averaging is also worth considering – which will result in smaller but more frequent investments, rather than injecting the entire $10k in one lump sum.

Below, we offer a comprehensive analysis of 10 asset classes and markets that potentially represent the best ways to invest $10k.

1. Invest in Top Crypto Projects – Inject Some Capital Into High-Growth Cryptocurrencies 

In a nutshell, cryptocurrencies are the best-performing asset class of the prior decade. Bitcoin was the first cryptocurrency to launch back in 2009 but since then, thousands of other projects have entered this marketplace. To offer some insight into the growth of cryptocurrencies, consider that Bitcoin was trading at around $10 in the 10 years prior to writing.

Bitcoin has since secured an all-time high of nearly $69,000. This means that a $10,000 investment into Bitcoin in 2012 would have been worth over $68 million at its peak in late 2021. Ethereum is another cryptocurrency that has generated unprecedented returns. When the project was launched in 2015 via an ICO (initial coin offering), ETH was trading at just $0.31.

Ethereum has since secured heights of nearly $5,000 – which represents returns of over 1.5 million percent. There are many other success stories like Bitcoin and Ethereum, with unprecedented gains made by those that are able to buy into a cryptocurrency early and subsequently hold on for several years.

bitcoin price chart

Crucially, although cryptocurrencies have remained on an upward trajectory for many years, this marketplace is highly speculative and volatile. For instance, we mentioned above that Bitcoin previously hit an all-time high of nearly $69,000 in 2021. Since then, Bitcoin has dropped to lows of under $20,000 – which is a decline of 70%.

With that said, Bitcoin and the broader markets have gone through many so-called bearish cycles previously, and the industry has always recovered. Therefore, those looking to invest in cryptocurrency assets like Bitcoin, EOS, Dogecoin, Ethereum, and more can now do so at a discounted entry point.

Ever wondered how to invest in blockchain? Another option to consider is a newly launched cryptocurrency that is just at the very start of its journey. The reason for this is that many would argue that the boat has already been missed with established projects like Bitcoin and Ethereum, not least because they have already experienced their rapid growth cycle.

tamadoge ico

On the other hand, there are several notable projects in the market right now that are still in their presale stage. This means that the project is looking to raise capital to fund its growth – just like a newly launched stock does during its IPO (initial public offering). And, just like an IPO, crypto presales offer the chance to invest in a project at the best price possible.

To offer some insight, we came across Tamadoge, which is looking to build one of the best NFT games in the market. Players will initially need to mint an NFT, which will subsequently create a virtual pet that comes with a range of traits and characteristics. The player will retain full ownership of their Tamadoge pet, as the NFT is stored transparently on the Ethereum blockchain.

Players can improve the capabilities of their Tamadoge through training and feeding, before entering battles with other pets. This will enable players to earn real-world rewards via the TAMA token, which is the proprietary cryptocurrency of the Tamadoge project. The developers at Tamadoge are working on a variety of other niche products, as per its roadmap.

For example, the Tamadoge game will run in conjunction with a metaverse world – in what it calls the ‘Tamaverse’. Players will also be able to enjoy next-level immersive experiences via augmented reality. Furthermore, players will be able to breed their Tamadoge pets with other users, which will subsequently result in a new NFT being minted.

Although the Tamadoge presale launch has been active for less than a month, the project has already raised more than $8 million from early investors. The minimum capital outlay amounts to approximately $20, which must be paid for in Ethereum or Tether. We explain how to invest in the Tamadoge presale further down in this guide.

To ensure that investors are well-diversified, we also came across Battle Infinity. This project completed its 90-day presale campaign in just 24 days. In doing so, Battle Infinity raised its total hard cap target of just over $5 million. The project aims to become the best metaverse crypto coin in the market through its innovative fantasy sports game.

This enables users from all over the world to earn crypto tokens by picking a team of players from their favorite sport. The better that each selected player performs in real-world games, the more crypto tokens that can be earned. Tokens are subsequently distributed by Battle Infinity in IBAT – which is native to the project.

As per its listing in mid-August, Battle Infinity is now tipped to become one of the best coins on Pancakeswap.

Learn More: Read our comparison guide on the 10 best long-term cryptocurrency investments to consider right now.

Tamadoge

2. Index Funds – Invest in Hundreds of Stocks via a Single Trade

In addition to cryptocurrencies and presales, those in the market for the best way to invest $10,000 might also consider an index fund. In a nutshell, index funds will track a predefined segment of the broader stock market. The idea is to give investors exposure to a diversified range of stocks through a single trade.

For example, the most traded index fund globally is the Standard and Poor’s 500 (S&P 500). This index fund tracks 500 large stocks from the two primary US exchanges – the NYSE and NASDAQ. Although there is a variety of. criteria that companies need to meet to be listed as an S&P 500 constituent, the overarching requirement is based on market capitalization.

This is highlighted in the table below, which represents the 10 largest constituents of the S&P 500 index as of writing:

Company Symbol Weight (%) Price
Apple Inc. AAPL 7.39 $167.84
Microsoft Corporation MSFT 5.94 $276.08
Amazon.com Inc. AMZN 3.36 $133.85
Tesla Inc TSLA 2.14 $892.99
Alphabet Inc. Class A GOOGL 1.97 $113.75
Alphabet Inc. Class C GOOG 1.82 $114.65
Berkshire Hathaway Inc. Class B BRK.B 1.51 $293.52
UnitedHealth Group Incorporated UNH 1.45 $536.46
Johnson & Johnson JNJ 1.26 $165.58
NVIDIA Corporation NVDA 1.24 $164.38

As per the above, more than 7% of the 500 companies in the S&P 500 are represented by just one stock – Apple. Microsoft, Amazon, and Tesla also have a large index weighting, with approximately 6%, 3%, and 2% respectively.

At the other end of the spectrum, the likes of Electronic Arts, Digital Realty Trust, and Newmont Corporation contribute just 0.1% each to the S&P 500.

The reason for this is that the S&P 500 aims to replicate the performance and health of the wider US economy. When it comes to returns, the S&P 500, since it was launched nearly a century ago, has generated average annualized gains of approximately 10%. This figure is based on the investor reinvesting their quarterly dividends back into the S&pP 500 on receipt.

Vanguard S&P 500

Although the S&P 500 is by far the most popular index fund with retail and institutional clients, there are many others active in this market. For example, there are index funds that track the NASDAQ 100 and Dow Jones, as well as foreign markets such as the FTSE 100 and China 50.

With that being said, another super-popular index fund to consider when assessing how to invest $10k is the Total Stock Market Index. As the name suggests, this index fund offers access to the entire US stock market. This means that through just one investment, the investor will indirectly own stock in more than 4,000 companies.

This comprises a weighted selection of small, medium, and large-cap stocks and over the prior 10 years of trading, the index fund has generated average annualized returns of over 13%. In terms of the investment process, some index fund providers – which are represented by ETFs, support direct purchases on their websites.

SPDR Dow Jones Industrial Average  ETF

However, when going direct with an index fund provider, this often requires a much larger capital outlay. For example, when investing in the previously discussed Total Stock Market Index via the Vanguard website, this would require a minimum investment of $3,000.

When completing the same investment at a stock broker like eToro, the minimum stands at just $10. Furthermore, eToro does not charge any trading commissions when buying, selling, or storing index funds in an account portfolio. However, the underlying index fund expense ratio will still apply.

3. Commodities – Hedge an Investment Portfolio With Gold, Oil, and Other Commodities 

The next option to think about when considering how to invest $10k is trading commodities. Many of the world’s most in-demand commodities have performed extremely well since the pandemic. For example, although crude oil hit lows of $19 per barrel in mid-2020, the commodity has since gone on to hit highs of over $120 per barrel.

This represents a hugely volatile upward swing of over 500%. Some of the main factors driving up the price of oil include global supply chain issues, increased demand for global travel, and ongoing tensions in Ukraine. Those wishing to gain exposure to a commodity like oil have several options.

Perhaps the most suitable way is to add some of the best oil stocks to an investment portfolio – such as BP, Shell, and ConocoPhillips. The performance of oil stocks will often mirror global prices, as this has a direct impact on each company’s operating margin.

gold ETF

Another way to trade the price of oil is via financial derivatives that track the asset’s real-time price on a second-by-second basis. This can be achieved via CFDs (non-US clients), futures, or options. In addition to oil, gold is another commodity that might be of interest to those in the market for the best way to invest $10k.

Gold is a cyclical asset and its value is heavily driven by geopolitical and macroeconomic events. For example, gold is considered a safe haven asset, so investors will often load up on the precious metal when the economy is weak. Gold will also perform well when inflation levels are on the rise, not least because it is viewed as a store of value. See our guide to investing during inflation.

There is no requirement to purchase or store physical gold bullion when considering an investment. Instead, the easiest way to gain exposure to this precious metal is via an ETF – which we cover in more detail further down. Nonetheless, a gold ETF will enable an investment in gold without needing to worry about storage, security, or liquidity.

crude oil futures

On the flip side, it should be noted that perhaps with the exception of gold, commodities investments are generally a short-to-medium term hedge, rather than a long-term investment. The reason for this is that the price of a commodity is dictated by demand and supply – which will rise and fall depending on external factors.

If you’re asking yourself what’s the best way to invest $100k then this guide covers everything you need to know.

4. Crypto Staking – Generate a Fixed Rate of Interest By Depositing Crypto Into a Staking Pool

Another option to consider when building a shortlist of $10k investments is crypto staking. This option is potentially suitable even for those that do not currently own any cryptocurrency at this moment in this. The reason for this is that it is just a case of buying some tokens, transferring them to a staking platform, and earning an attractive rate of interest.

The amount of interest that can be generated from a staking pool will depend on a number of factors. First, some cryptocurrencies yield a higher rate of interest than others. For example, smaller-cap tokens will often come with a higher APY than say Bitcoin or Ethereum. This is because the risk of staking smaller-capped tokens is higher.

Second, the interest rate offered by staking pools will depend on the chosen term. For example, those staking cryptocurrencies on the DeFi Swap exchange can earn up to 75% on a 365-day lock-up period. This means that the investor will not be able to withdraw their tokens until the term has concluded.

quint super staking

However, staking platforms like DeFi Swap also offer shorter terms, including 30, 90, and 180 days. Some staking platforms even offer flexible terms, meaning that the investor can withdraw their tokens at any given time. Flexible accounts typically come with the lower APY possible, but many investors prefer this arrangement nonetheless.

Here’s an example of how staking works to help clear the mist:

  • The investor deposits 10,000 USDT tokens into a staking pool – which is stablecoin pegged to the US dollar
  • The staking pool offers an APY of 10% over a 3-month lock-up period
  • After three months, the investor receives their initial 10,000 USDT tokens back
  • Additionally, the investor also generated an APY of 10%, so on 10,000 tokens over a 3-month term, that’s an additional 250 USDT in interest
  • In total, the investor now has 10,250 USDT from their original 10,000 USDT investment

The example above highlights a staking arrangement on a stablecoin, meaning, that in theory, its value will always remain pegged to the US dollar. However, it is also possible to stake standard cryptocurrencies – which fluctuate in value throughout the day. As such, if the respective token increases in value during the staking period, this will amplify the rewards earned.

Another option to consider in the staking world is Quint. This up-and-coming project offers ‘super staking’ pools. This means that in addition to earning a yield on the staked tokens, the investor will also receive entry into a competition. For example, Quint recently offered a competition draw for two luxury watches for those staking tokens in the respective pool.

Learn More: Wondering how to invest 10,000 dollars in super staking? If so, read our review of Quint.

5. NFTs – Find Undervalued NFTs to Flip 

NFTs, or non-fungible tokens, are a type of crypto asset that operates on the blockchain. However, what makes NFTs so popular is that each token is unique from the next. This opens up a whole world of possibilities, not least because real-world ownership of both tangible and non-tangible assets can be represented by an NFT.

This could include anything from real estate and insurance to patents and in-game items. With that said, one of the most popular segments of the NFT space remains digital art. For example, one of the most expensive NFTs of all time – The Merge, sold for more than $90 million in late 2021.

Additionally, the First 5000 Days NFT collection – a piece of digital art created by Michael Winkelmann, sold for more than $69 million. However, perhaps the most renowned NFT collection to date is the Bored Ape Yacht Club. This collection of 10,000 ape-inspired digital drawings originally sold for just under $200 apiece when the NFT series was launched in 2021.

NFT Launchpad

The Bored Ape Yacht Club collection quickly gained traction among celebrities and thus – many have since sold for over $1 million. This illustrates that there is a potential flipping market in the making for those that wish to buy and sell NFTs for profit. In order to find a suitable collection to flip, investors might consider browsing Launchpad.xyz.

This is a marketplace for up-and-coming NFT collections – some of which are trading at under $50. Having explored the Launchpad.xyz marketplace, we came across an NFT competition project called Lucky Block. This NFT collection is running a wide range of lucrative competitions that covers everything from a $1 million property to VIP FIFA World Cup tickets.

The main concept is that in order to enter a Lucky Block competition, a specific NFT must be purchased. Not only does the NFT offer access to the draw, but ongoing crypto rewards are paid in LBLOCK tokens. This means that even if the NFT owner does not win the competition, they will still be entitled to rewards for as long as they remain a holder.

6. Stocks – Buy and Hold Individual Stocks

The next asset class to consider when assessing how to invest $10k is the stock market. There are stock exchanges in just about every country globally, which offer access to tens of thousands of companies from a wide variety of sectors and markets. With that said, investors will typically stick with the two primary US exchanges – the NYSE and NASDAQ.

These two exchanges are home to more than 4,000 stocks and trillions of dollars in market capitalization. When building a portfolio, investors might consider diversifying into a range of different stock types. For example, dividend stocks refer to companies that share some of their retained profits with investors.

Popular dividend stocks in this space include Coca-Cola, Dover, 3M, and Procter & Gamble. The reason for this is that the aforementioned stocks have paid dividends for more than six decades. Furthermore, throughout this period, these stocks have increased the size of their annual dividend payment for 60+ consecutive years.

coca-cola stock price

However, ‘dividend kings’ – which represents companies that have increased their annual distributions for at least 50 years, typically offer conservative returns in terms of stock price growth. As a result, in order to counter this, many investors will also consider adding some growth stocks to their portfolios. On the other hand, some traders prefer to invest in startups.

As the name implies, these are companies that are still firmly in their growth stage – meaning that they are likely behind a new business concept or an unproven product or service. Either way, growth stocks come with additional risk and less certainty, but in addition to offering greater upside potential.

In addition to growth and dividend stocks, investors might also consider exploring blue-chip companies. This will offer the $10k investment portfolio with further solidity. Blue-chip stocks are not only established companies that carry a large market capitalization, but they dominate their respective industries.

tesla price chart

Examples include the likes of Walmart, Microsoft, Johnson & Johnson, Mcdonald’s, and UnitedHealth. Crucially, the idea here is to create a well-balanced portfolio that covers a large number of stocks from a variety of industries, sectors, and risk profiles. This will ensure that the investor avoids becoming overexposed to a stock that subsequently fails.

Additionally, investors might also consider allocating some funds to international stocks. Once again, this offers even greater diversification and thus – will avoid too much exposure to the US economy. Some of the most traded foreign stock exchanges can be found in the UK, Europe, and Japan.

In order to create a diversified portfolio of stocks in a risk-averse manner, investors will need to have an account with a regulated online broker. The chosen broker should offer competitive fees and support for fractional stock purchases. The latter enables investors to invest in stocks without needing to purchase entire shares.

coinbase stock price

For example, when assessing the best place to invest $10k, eToro enables registered users to buy stocks at a minimum trade of just $10. This means that if the stock is trading at $100 and the investor allocates $10 to the position, this would result in 10% ownership of a share. eToro also offers commission-free trading in addition to its fractional stock tool.

7. ETFs – Invest in a Group of Assets via a Managed Fund

ETFs are also a popular option to consider when assessing the best way to invest $10k. ETFs are managed funds backed by large investment houses – such as Vanguard and iShares. The vast bulk of ETFs will look to track a specific asset or group of assets. For instance, we previously discussed index funds like the S&P 500 and the Total Stock Market Index.

In order to invest in an index fund, the investor must go through an ETF provider. The ETF will look to track the underlying market by purchasing the respective assets, at the correct weight. This means that a Total Stock Market Index ETF would subsequently buy and hold more than 4,000 individual stocks.

Moreover, the provider will likely rebalance the ETF every quarter to ensure it is still aligned with the underlying market that it is tracking. From the investor’s perspective, they will gain exposure to the market at proportion levels. Let’s take the Vanguard Dividend Appreciation ETF as a prime example.

risks of ETF Trading

By injecting capital into this ETF, the investor will indirectly own 289 dividend stocks. This includes everything from Pepsi, Visa, and Microsoft to JPMorgan Chase, MasterCard, and Home Depot. Pepsi, for instance, has a portfolio weight of 1.98% in this ETF, while Visa has 2.76%.

This means that a $10,000 investment in the ETF would own $198 and $276 worth of Pepsi and Visa stock respectively. There are more than a thousand ETFs trading in the US alone, each of which will track a specific market. While many specialize in stocks, others will give investors exposure to bonds.

For example, Vanguard Total International Bond ETF offers exposure to more than 6,000 bonds from a variety of global markets. This includes the US, Europe, the Middle East, and emerging markets such as Malaysia, Indonesia, and Thailand. This ETF will suit investors that prefer lower levels of risk alongside monthly dividend payments.

Vanguard Growth ETF

In addition to stocks and bonds, there are also ETFs that are favored by investors that wish to gain exposure to commodities. A common example is ETFs that are physically backed by precious metals like gold and silver. This means an investment into precious metals can be made from the comfort of home – with no requirement to worry about storage or security.

Another benefit of ETFs is that they often come with very low fees – even though the fund will manage the portfolio on behalf of its investors. In many cases – especially with index fund ETFs, this will cost less than 0.10% per year. Investors can access ETFs from an online broker like eToro without paying any trading commission. For example, with an eToro live trading account users can invest in carbon credits such as the Carbon Emissions futures.

8. Crypto Interest Accounts – Passively Earn Interest on Long-Term Cryptocurrency Investments  

Crypto-centric interest accounts are also worth considering when exploring the best way to invest $10k. This will require the investor to choose a suitable provider, before opening an account and depositing some crypto tokens. In doing so, the investor will be paid a rate of interest on their tokens – which is usually fixed.

For example, let’s suppose that the investor injects $10k worth of capital into a Crypto.com interest account. Opting for Bitcoin, the investor will have access to an APY of up to 5%. Other digital currencies supported by Crypto.com pay a higher yield. Moreover, the yield is also determined by the lock-up term that the investor chooses.

crypto.com review

Either way, this option will potentially suit long-term cryptocurrency investors that wish to generate additional gains on their holdings. The idea is that even during a bear market, the investor will continue to earn interest. This interest can be used to purchase more cryptocurrency tokens, through a dividend reinvestment plan (DRIP).

This will result in the investor gradually increasing their exposure to the cryptocurrency markets. Furthermore, when depositing tokens into a crypto interest account, the investor retains full ownership of the funds. This means that shoulds the tokens increase in value in the open marketplace, the investor will still benefit from the capital gains.

9. 401k Plans – Invest in Tax-Efficient Way Through a Traditional or Roth 401k   

401k plans are exclusive to US clients, albeit, similar alternatives exist in many other regions (e.g. ISAs in the UK). For those unaware, 401k plans offer a way for US workers to invest some of their salaries into the stock market in a tax-efficient way. This is because the tax on the investment will either be deferred until retirement, or paid at the source.

For example, if opting for a Roth 401k – which is often the best option for younger workers, the tax will be paid at the time of receiving the salary. However, the subsequent funds that are paid into the Roth 401k plan will not attract any tax thereon. This means that when the worker reaches the age of retirement, they can make tax-free withdrawals on their investments.

The other option is a traditional 401k. This option will allow the worker to invest money into a 401k plan without paying any tax on the income. Instead, the tax is only paid once withdrawals are made from the 401k plan at the age of retirement. Both Roth and traditional 401k plans are offered by employers.

401k limits and rollovers

Moreover, many employers that offer 401k plans also provide matching contributions as an incentive to save for retirement. Commonly, US employers will match 3% of any contributions made by the employee, on a dollar-for-dollar basis. This means that by maximizing the 2022 401k limit of $20,500 ($27,000 for over 50s), the employer would match $615.

This $615 should be viewed as free capital that will continue to grow in value over the course of time. As such, if an employer offers a matching contribution scheme, this should be maximized. When it comes to choosing an investment, options are specified by the employer and will often be limited in number.

However, virtually all 401k plans enable the employee to invest money into popular index fund ETFs such as the S&P 500 or Total Stock Market Index. Those working for an employer that does not support 401k plans might instead consider a Roth or traditional IRA. This offers tax-efficient access to the financial markets via a broker, albeit, annual limits are capped to $6,000.

10. Copy Trading – Day Trade Stocks and Other Assets Passively 

Those in the market for a passive investment stream will typically turn to ETFs or mutual funds. After all, once the investment is made, the fund provider will be managed and maintain the investor’s portfolio. However, these options are more suited to traditional long-term investments that largely focus on stocks and bonds.

Copy Trading, on the other hand, is a revolutionary tool that enables investors to actively day trade the financial markets but in a passive nature. The idea is that the investor will choose a trader to copy and then any future buy or sell orders will be copied over to their portfolio. At eToro, for example, account holders can copy a trader from just $200 and no additional fees apply.

etoro copy trading

For example:

  • Let’s suppose that the eToro user invests $10,000 into a seasoned forex trader.
  • The trader risks 5% of their portfolio going short on EUR/USD, with leverage of 1:30.
  • The same position would be mirrored in the investor’s eToro portfolio, but at a stake of $500 (5% of $10,000 investment).
  • A few hours later, the trader closes their EUR/USD short-selling positions at gains of 10% (inclusive of leverage).
  • This means that the investor also made gains of 10%, so on a $500 stake, a passive profit of $50 has been achieved.

There are thousands of verified traders signed up for the Copy Trading program on eToro, so the first port of call is to determine which asset class the investor wishes to gain exposure to. At eToro, this covers everything from stocks, ETFs, and indices to cryptocurrency and forex. The investor should also consider the risk score attached to the trader.

Moreover, the eToro user should explore the historical performance of the trader before electing to copy them. To offer some insight into what is available, one of the most popular Copy Traders at eToro is Juraj Gazo. This trader specializes in stocks and forex and generated gains of 38% in 2021 for his followers. The trader made gains of 5% and 40% in 2020 and 2019, respectively.

How to Choose the Best $10k Investments For You

Now that we have covered the benefits and drawbacks of each $10k investment, we now offer some insight into how to build a diversified portfolio that mirrors the risk profile and financial goals of the investor.

This will that when searching for the best way to invest $10k, the investor is making an informed decision based on their own personal objectives.

Returns and Risk Tolerance 

It goes without saying that the overarching objective of assessing the best way to invest $10k is to maximize growth potential. In other words, investors will aim to make as much money as possible from their investments.

In this regard, the risk-reward concept is an important metric to understand. Put simply, the higher the returns expected, the more risk that needs to be taken.

  • At one end of the scale, US treasuries and EU-issued bonds perhaps offer the lowest risk way to invest $10k.
  • For example, at the time of writing, 10-year bonds issued by the US government are yielding 3.10% annually.
  • While this might appeal to conservative investors, a yield of 3% will barely outpace long-term inflation targets.
  • Crucially, however, the likelihood of the US government defaulting on its bond repayments is virtually zero.

Risk should, however, be taken seriously when investing in more unpredictable assets.

  • For example, those in the market for growth stocks should consider that Coinbase is down nearly 80% from its 2021 IPO price.
  • Similarly, Grab – which was one of the most anticipated IPOs of the year when it was listed on the NASDAQ in December 2020, is down 70% from its original valuation.
  • On the other hand, the 2010-listed growth stock Tesla has increased in value by more than 23,000% since its IPO.

Investors in the market for the highest ROIs possible might also consider crypto presales like Tamadoge. Do remember, however, that while up-and-coming crypto tokens offer an attractive upside potential, this comes with enhanced risk and volatility.

Passive or Active Investing 

When assessing the best ways to invest $10k, the investor should consider how much time they can realistically dedicate to the markets.

  • This not only includes the time required to research and analyze potential investments, but also the process of maintaining and rebalancing a portfolio.
  • The latter is an important part of the investment process, as it ensures that the portfolio is still aligned with the investor’s long-term financial goals.

On the one hand, those with ample time and experience to dedicate to their portfolio might consider an active investment strategy. This means that the investor will actively research the markets and place regular orders to buy and sell assets.

Those without the necessary time or knowledge of investing on a do-it-yourself basis will likely prefer a passive investment strategy. This means opting for a passive asset class like ETFs, index funds, or even Copy Trading.

Financial Goals

It is also important for the investor to assess their financial goals when building a portfolio.

For example, some investors might be looking to inject $10,000 into a long-term retirement account, with the view of topping this up on a monthly basis. In this regard, the investor might consider a long-term index fund such as the S&P 500.

Other investors will be more interested in the best ways to invest $10k short-term – especially those that are looking to adopt an active trading strategy. Suitable markets in this respective might include crypto presales, growth stocks, or short-term corporate bonds.

Income, Capital Gains, or Both

Some asset classes will enable the investor to generate a regular income in a passive nature. A prime example of this is dividend stocks. By holding stock in a company that pays dividends, the investor will receive a payment every three months.

On the other hand, some investors will prefer to focus on capital gains. Both cryptocurrencies and growth stocks are an option here, as neither will yield income. Instead, the primary goal is growth.

Some asset classes offer a perfect balance between income and growth. For example, while stock ETFs will typically increase when the broader markets are bullish, they also offer quarterly dividends.

Where to Invest $10,000 Right Now – the Best Option?

Still wondering where to invest $10k?

The overall best option when it comes to investing $10k will ultimately depend on the investor’s financial goals and risk tolerance. Diversification is key too – meaning that the investor’s portfolio should cover a range of assets, markets, and upside potential.

On the lower-risk side, investors might consider major index funds and a selection of dividend kings. For above-average gains, investors might also consider allocating some funds to growth stocks and cryptocurrencies.

Tamadoge, for example, is an exciting new project that is building a metaverse P2E gaming ecosystem alongside crypto rewards and NFTs. This option might appeal to long-term investors, not least because the Tamadoge presale is offering its native TAMA at a discounted price.

How to Invest $10,000 – Tamadoge Tutorial

Still wondering how to invest $10k?

TamadogeFor an overview of how to invest in crypto presales – such as the one currently underway with the Tamadoge project, we will now explain the required steps.

Note: It goes without saying that investors should avoid injecting their entire $10k capital balance into cryptocurrencies. The Tamadoge presale does, however, require a minimum investment of approximately $20.

Step 1: Get MetaMask

Investors will need to download and set up a crypto wallet to access the Tamadoge presale. MetaMask is a suitable option for its commitment to safety and user-friendliness.

https://metamask.io/

MetaMask can be downloaded as an app for iOS and Android smartphones, or as a browser extension for Google Chrome, Firefox, Brave, and Edge.

Step 2: Transfer ETH or USDT to MetaMask 

In order to buy TAMA tokens via the presale, the investor will need to pay for the purchase with either ETH or USDT.

These popular digital assets can be purchased on numerous crypto exchanges and then transferred over to the MetaMask wallet.

The other option is to buy Ethereum with a debit or credit card on the Tamadoge presale website. The transaction will be handled by a third-party payment processor.

Step 3: Connect MetaMask to Tamadoge Presale

Once the MetaMask wallet is funded with either Ethereum or USDT, the investor can head over to the Tamadoge website.

presale.battleinfinity.io/

Next, click on the ‘Buy’ button, and once the page loads, select ‘Connect Wallet’.

The investor can then select MetaMask. A notification will appear in MetaMask on the device where the wallet is located. The investor will need to confirm the connection to the Tamadoge presale.

Step 4: Invest in Tamadoge Presale

The final step is to exchange the Ethereum or USDT tokens for TAMA. This can be achieved by stating the total purchase amount in the relevant box.

Tamadoge Presale

After the purchase has been confirmed, the investor will need to wait for the presale to conclude. They can then head back to the Tamadoge presale dashboard to claim their TAMA tokens.

Conclusion

This guide has discussed the best ways to invest $10k into the financial markets. We have covered multiple asset classes and markets, such as cryptocurrencies, index funds, gold, growth stocks, and Copy Trading.

Overall, we like that the Tamadoge presale offers early investors the chance to buy its newly launched TAMA token at a discounted price.

This means that presale investors will get a lower cost per TAMA token before it launches on crypto exchanges. The minimum presale investment amounts to approximately $20, so budgets of all sizes are catered for.

Tamadoge - The Play to Earn Dogecoin

Our Rating

Tamadoge
  • '10x - 50x Potential' - CNBC Report
  • Deflationary, Low Supply - 2 Billion
  • Listed on OKX
  • Move to Earn, Metaverse Integration on Roadmap
  • NFT Doge Pets - Potential for Mass Adoption
Tamadoge

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References

  • https://www.investor.gov/introduction-investing/investing-basics/role-sec/laws-govern-securities-industry
  • https://www.irs.gov/retirement-plans/401k-plans
  • https://www.bankofengland.co.uk/knowledgebank/what-is-inflation

Disclaimer

It is vital to always invest responsibly in awareness of all risks involved. Markets can be extremely volatile, so you should conduct extensive research before investing. Our site provides regular updates and diligently verifies all platforms it recommends, but you should form your own opinion and invest only what you can afford to lose. There is never any guarantee of a return on investment.