12 Best Ways to Invest $80k (Ultimate 2022 Guide)

If you have $80k and you're not sure what to do with it, investing is a great option. But where should you invest your money?

There are a lot of different options when it comes to investing, so it's important to do some research and figure out what will work best for you.

By reducing risk and diversifying your portfolio, you can make the most of your $80k investment.

In this post, I'll explore how to invest $80k, some investing strategies to make the most money, and much more. Let's get started!


The best way to invest $80k is through a combination of investments including:

  • Real estate investing with Fundrise
  • Stock market investing with Acorns
  • Small business investing with Mainvest
  • A high yield savings account with CIT Bank

How to Invest $80k

It seems like the options are endless when it comes to the world of investing. Here are a few of the best ways to invest $80k. Remember to always consult a financial advisor before making any investment and never invest more than you can afford to lose.

Real Estate

Real estate is one of my favorite ways to invest because it's a tangible investment that has proven itself time and time again over the years.

There are several different ways you can use real estate to grow your money. I'll explore some of the most common below.

Fundrise Average Returns

Crowdfunded Real Estate

Crowdfunded real estate through platforms like Fundrise is a great way to get started in real estate with as little as $10.

These platforms work by pooling money from different investors to finance real estate projects. As an investor, you'll earn a share of the profits from these projects.

You can spread your $80k investment across several different properties and diversify your portfolio with ease.

They offer investments in large multifamily properties like apartment buildings for you to choose from and start building wealth hassle-free.

Fundrise has a proven track record of delivering results to investors with returns averaging over 10% annually.

As a bonus, when you open a new account you'll get $10 completely free to invest. Who could decline that!?

Fundrise has low fees, a minimum investment of only $10, and no hassle. This makes it one of the best ways to invest your money if you're looking for an easy and hands-off approach to earn routine passive income.

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Equity Multiple Overview

Commercial Real Estate

Commercial real estate is another tremendous option to invest $80k and make money.

By using a platform like EquityMultiple, you can invest in a variety of commercial real estate projects that have strong potential for returns.

The minimum investment is $5,000, so you can spread your money across several different properties.

One of the great things about commercial real estate is that it's often less volatile than the stock market and residential real estate, making it a more stable investment.

So how much money can you make with commercial real estate?

It will depend on the investment but in many cases, you can earn a return of 12% or more annually.

This makes commercial real estate one of the best ways to invest $80,000. Register for EquityMultiple below to start building wealth!

Real Estate Debts

Have you heard of real estate debts?

It's a lesser-known but highly effective way to invest in real estate and earn great returns.

Real estate debts are basically loans that are secured by real estate. This means that if the borrower defaults on the loan, the lender can seize the property.

For example, if a home flipper needs money to finalize a flip, they may utilize platforms like Groundfloor to find the money they need.

These are often short term loans with terms ranging from 6 to 24 months.

As an investor, you can choose which loans you want to invest in – which is a big advantage for many investors.

The returns on these investments are typically over 10%, making them a tremendous way to grow your money.

You can get started with as little as $10 with platforms like Groundfloor.


REITs, or real estate investment trusts are a great way to invest in real estate without having to put down a large amount of money.

They are basically like mutual funds but instead of investing in stocks, they invest in real estate.

This means that you can get exposure to a variety of different real estate projects with just one investment.

You can use an investing app like Acorns to get started investing in REITs with as little as $5.

As a bonus, they're giving new investors $10 completely free when you register with the link below!

Rental Properties

Rental properties are often the most profitable method to invest in real estate but they will also require the most work and headache.

However, if you're willing to put in the effort, rental properties can be an excellent way to invest $80k.

Rental properties can make money through several key methods.

The most obvious is the rental income you'll collect from your tenants each month.

In addition, you can make money when you eventually sell the rental property for a profit, assuming it has appreciated in value.

If you have a mortgage on the property, some of your wealth is built through the equity gained by paying down your mortgage each month.

There are also some tax benefits of owning rental properties that you can take advantage of.

All in all, rental properties are a great way to invest $80k and make money.

Invest in the Stock Market


The stock market is another fabulous way to build long term wealth with your $80,000.

And the best part is that you can get started with as little as $5 through an investing app like Acorns or M1 Finance.

Just like with real estate, there are multiple methods to invest in the stock market.

For example, index funds are a great option to construct a well-diversified portfolio without much effort.

This is because index funds track a specific index (like the SP 500) and automatically invest your money in the 500 stocks that make up the index.

Index funds can be a simple way to invest money and still earn great returns.

Another option is mutual funds.

Mutual funds are like index funds but they're actively managed by real human beings.

This means that they have the ability to outperform index funds but they also come with higher fees which can sometimes offset the increased performance.

Another great option are ETFs.

Exchange traded funds are a lot like mutual funds but they're traded on an exchange like a stock.

This makes them more liquid than mutual funds and typically results in lower fees.

ETFs are a great way to get exposure to a specific asset class or sector without having to put all your eggs in one basket.

Finally, you can pick and choose individual stocks. I wouldn't recommend this option to any investor because it's very risky and you need to have a lot of knowledge about the stock market to make money trading stocks.

The stock market is a great way to invest $80k and you can easily get started thanks to platforms like Acorns or M1 Finance.

Mainvest Grid View

Small Businesses

Did you know it's possible to invest in small businesses?

That's right! Thanks to platforms like Mainvest, you can start investing in small businesses around the country with just $100.

Mainvest is a great platform that allows you to get involved with small businesses in your community and help them grow.

In return for your investment, you'll earn a percentage of the profits generated by the small business.

This is a great way to invest $80k because the returns can be extraordinary.

It's possible to make between 20% and even 30% in some cases. While this isn't the standard, it's possible to earn these types of returns more often than you might think.

As a bonus, Mainvest is giving new investors $10 completely free with the link below!


Are you looking to maximize your returns?

While I certainly wouldn't invest all $80,000 into cryptocurrency – it can be a great way to invest a smaller portion of your money.

This is because cryptocurrency has the potential to generate massive returns if you pick the right coins.

For example, some popular cryptocurrencies like Bitcoin have generated returns of over 400% in a single year before.

But with reward comes greater risk.

Cryptocurrency is a very volatile asset class and prices can swing up or down by double digit percentages on any given day.

This means that you could lose a significant portion of your investment if you're not careful.

To get started investing in cryptocurrency you can use a platform like Coinbase or Gemini to start buying and selling all of the most popular coins.


If you have a low risk tolerance, bonds can be a great investment to consider.

Bonds are a debt instrument that pays regular interest payments and mature at a predetermined date.

This means that you can invest in bonds and know exactly when you'll get your money back.

Bonds are typically seen as a safe investment because they're not as volatile as stocks.

However, this also means that they don't have the same earning potential as stocks.

Just like other investments, there are several different types of bonds you can purchase.

The two most common types are corporate bonds and government bonds.

Corporate bonds are issued by companies in order to raise money for their business.

Government bonds are issued by the government in order to finance their budget deficit.

The amount of risk you're willing to take will determine how much money you can earn when investing in bonds.

If you're willing to take on more risk, you can earn a higher return.

But if you want safety, you'll have to accept a lower return.

If you're looking for a relatively safe investment that can provide you with a steady stream of interest payments, bonds are a great option.

Alternative Investments

There are many alternative investments that can be a great addition to your portfolio if you're looking to invest $80,000.

For example, investing in artwork or fine wine are two lucrative alternative investments that can yield string returns.

Art can be a great investment because it's a physical asset that you can enjoy while it appreciates in value. You can use a platform like YieldStreet to get started without needing a fortune.

Fine wine is another great option because it's a luxury item that tends to go up in value as the years go by. You can use a platform like Vint to invest in wine with as little as $100.

Alternative investments make great additions to any investment portfolio. They offer a simple way to diversify and can provide you with the potential to earn high returns.

Peer-to-Peer Lending

Peer to peer lending is another investment option that can provide you with decent returns on your money.

You can think of peer to peer lending as being similar to bonds expect instead of loaning money to an institution, you'll lend it to another person.

With peer to peer lending, you'll be able to choose who you want to lend your money to and for how long.

There are many platforms you can use to start investing in peer to peer lending such as Lending Club and Prosper.

High Yield Savings Accounts

If you're looking for the safest way to invest $80k, high yield savings accounts can be your best friend.

While some people may not consider this an investment at all, it's a great place to store your cash if you're not interested in taking any risks while earning a small amount of interest.

This type of savings account typically pays more interest than a traditional savings account.

My favorite account is through CIT Bank, which pays around 7 times the national average in interest and you only need $100 to open your account.

In addition, there are no fees and you can withdraw your money whenever you want without having to pay any penalties.

How Much Interest Will I Earn on $80,000?

If you have $80,000 to invest, you'll be able to earn a decent amount of interest depending on how you choose to invest it.

For example, if you choose to invest in a bond fund, you can expect to earn around 3% annually.

If you're willing to take on more risk and invest in stocks, you could potentially earn a much higher return.

The best way to find out how much interest you'll earn on your investment is to talk to a financial advisor.

They'll be able to help you choose the best investment options for your needs and goals.

Here is a breakdown of your potential annual earnings when you invest $80k based on an average return amount:

  • 1% – $800
  • 2% – $1,600
  • 3% – $2,400
  • 4% – $3,200
  • 5% – $4,000
  • 6% – $4,800
  • 7% – $5,600
  • 8% – $6,400
  • 9% – $7,200
  • 10% – $8,000

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How to Invest $80k in Real Estate

The best way to invest $80,000 in real estate is through a combination of crowdfunding platforms like Fundrise and EquityMultiple.

This will give you a diverse portfolio of properties and help you maximize your return.

Final Thoughts on How to Invest $80,000

There are many different ways you can invest $80k.

The best way to invest your money will depend on your goals and the amount of risk you're willing to take.

If you're looking for safety, you may want to consider investing in bonds or a high yield savings account.

But if you're willing to take on more risk for the potential of higher returns, you may want to consider investing in real estate and the stock market.

No matter what you decide, make sure you do your research and always remember to diversify your portfolio.

Forrest is a personal finance, entrepreneurship, and investing enthusiast dedicated to helping others obtain life long wealth. He owns several different blogs and is also passionate about health and fitness.

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