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Highest Return on Investment

Types of high yield investments: who should get them, risks and where to obtain.
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Highest Return on Investment

High yield on investment

Important! High-speed investment is synonymous with great risk. The risk of high returns also means that most or even all your money can be lost.

It is important that your risk profile is appropriate for a product and a company considered. The options for investment are really endless and it can be difficult to know where to invest your money. A comprehensive assessment of risks and goals can help you narrow down the variants.

Below is a list of some of the high yield investments with risk options of a low, medium as well as high level.

Low risk investments

In case you are ready to take on investing with a low risk, there are 3 great options.

US savings bonds

Note! That is a type of investment with minimal risk.

The US Treasury issues these securities and you provide a loan to support the operations of the government fund. These bonds provide a fixed rate percentage paid by the government over a specified time period.

Two kinds of savings bonds exist:

  • Series EE Bonds apply a fixed rate of interest with the duration up to 30 years. This rate is set every two years and this enables to know the amount of interest that will accumulate on the bonds over the bond validity prior to purchasing. These securities are sold at par so an investment of $100 gives you a $100 bond. These bonds are long-range investments that imply penalties for early redemption.
  • Series I bonds bear interest in accordance with a fixed rate and inflation. The fixed rate is determined after the purchase of bonds while the rate of inflation is reviewed every 6 months. Series I bonds cashing out prior the 5-year maturity results in penalties.

Savings bank accounts

Note! That is one of several safe high yield investments allowing to earn percentage on every dollar outside stocks and bonds.

By contrast with other options for investment savings bank accounts are really liquid and thus, you have access to your funds whenever you need it.

Certificates of Deposit (shortly CDs)

This is an excellent long-range investment of a low risk level. CD accounts are available through credit unions or banks and like with savings accounts you can receive interest on the money you deposited. You will receive a percentage rate premium provided you keep the deposit intact for a certain period which may be 6 months or 3 years. Long-term bills of CDs pay more than those of short-term ones.

Attention! In case of cashing out prior the due date you will be charged a penalty for early withdrawal.

Medium risk investments

If you are looking for higher returns, consider investments of medium risk.

High dividend stocks

This is a form of profit-sharing through which a corporation regularly makes payments to its shareholders. According to the law, dividend payments are not required but corporations prefer paying shareholders a share of income earned through a reinvestment plan or as a monetary option.

Such type of investing may be risky provided you haven't made the choice.

Note! It is better to consider big corporations with long history of financial stability and low volatility. That means they are likely to have enough capital to cope with market fluctuations.

When the appropriate dividend-yielding stocks are identified they can be purchased directly at a company or a brokerage firm. Purchasing directly at a company requires making a minimum investment of between $25 and $500. A minimum investing is not required by brokers.

Real Estate Investment Trusts (shortly REITs)

This is the proper way to spend funds in the real estate property market without investing significant amounts as an owner of property.

Important! The REIT not only delivers above average dividends but also generates stable returns over time as the value of realty rises.

Start by researching REITs involved in purchasing property at the area that you like. Most REITs are recorded with the SEC and quoted on public exchanges. These are called publicly traded REITs. Private REITs are exempted from SEC registration and not quoted on public exchanges. Diversyfund is an example of a great private REIT that is a helpful tool to create your diversified portfolio while being insured against market volatility.

Real estate crowdfunding

It allows to pool your funds by investing in property. Once developers identify an opportunity for investment they may not be able to fully fund the investment so you can contribute some capital to fulfill your plan.

Note! Not much money needed to join a scheme of crowdfunding. In case a company goes public it can have huge profit potential.

There are 3 players involved in real estate property crowdfunding: a sponsor who determines, plans and controls all investments, a crowdfunding platform on which the sponsor gathers capital and investors, and an investor that contributes funds in exchange for a portion of the revenue accumulated as a result of the transaction.

Corporate bonds

They offer predictable financial benefits without complex strategies. Big corporations issue such bonds in order to finance capital investments and business expansion. When purchasing corporate bonds you are lending funds to the issuer. After that the company takes a legal obligation to redeem interest on your original capital and also refund the principal upon the bond's maturity.

Attention! These bonds may provide higher yields than CDs and government bonds and they allow to keep the principal while gaining a steady income. They afford the opportunity to invest in multiple sectors with a cash-to-maturity option.

It is necessary to set up a brokerage account in order to purchase corporate bonds.

Investments of high risk

Do you like living on the edge? Get involved in these risky investments to achieve the wishful results.


Investing in Forex is made by purchasing and selling different currencies. Each country issues its own currency and its value differs in relation to any other country. You should choose a reliable broker in order to reduce the fraud risk. The great investment option is as it's the biggest Forex broker in the United States and is strictly controlled by the CFTC and NFA regulators.

Penny Stocks

They are trading at the value of $5 or less for a share. Such companies generally have poor or no financial history. These shares are a proper option in case you want to own a lot of stocks thanks to their low price.

Note! Due to highly volatile prices you need to be patient and risk tolerant to gain great profits.

Investing in penny stocks is highly speculative as there is a balance of high reward and high risk, and this is often associated with small-cap markets. Because of this, small stocks are not available on major exchanges such as NASDAQ and NYSE.

You should always have monetary reserves at your liquid savings bank account that you can quickly use when needed. But for money that needs to be somewhat liquid but preferably with higher returns, you have options. Highly rated annuities, MMFs as well as government and corporate debt are among the best ways to multiply your money with low risk and high returns even at low interest rates.


Trading of options is not completely distinct from stock trade. An option is a contract to purchase and sell shares at a predetermined price and date. At such type of trading you need to decide:

  • How high or low the stock price is likely to move from the current value
  • The direction of the stock's moving
  • The way the stock is supposed to move during a certain period

Option contracts are based on different underlying securities, various types of orders can be placed an in this way they are a more versatile option of investment than stocks. Trading of options is challenging and risky that's why options traders should cooperate with very experienced brokers.