Think beyond traditional savings accounts and money market accounts! Below, you’ll find a list of our top compound interest-earning investments for all time frames \u2014 including a range of investments from real estate investment trusts to private credit and a few assets you may not have considered.<\/p>\n\n\n\n
1. Private Credit<\/strong><\/h2>\n\n\n\nDid you know that the private credit market is worth over $7 trillion? Yes, trillion.<\/p>\n\n\n\n
How does it work? If a company doesn’t have access to public markets, it may forgo traditional financial institutions and seek out a non-bank lender. That’s where investors come in.<\/p>\n\n\n\n
For investors, private credit offer short-term and high-yield investment opportunities \u2014 without a strong correlation to public markets. <\/p>\n\n\n\n
Up until recently, private credit investing has really only been available to investors with great wealth \u2014 or great connections. <\/p>\n\n\n\n
Percent<\/a> is changing the landscape of private credit investing. Through the platform, accredited investors can access private credit opportunities that are largely secured by assets, loan portfolios, or corporate debt. <\/p>\n\n\n\n![\"Percentlogo\"\/](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/04\/percentlogo.png\")
<\/a><\/figure>\n\n\n\nThat’s all well and good, but how about the cold, hard numbers? As of December 31, 2024, Percent’s annual returns averaged 18.13% weighted annual percentage yield (APY). With historical results like that, it’s not hard to see why accredited investors are so attracted to this little-known alternative asset class. <\/p>\n\n\n\n
As a benefit for newer private credit investors (or those looking for diversity), Percent offers the Percent Blended Note<\/a>, which is sort of like a private credit fund you can invest in. Within a single investment, you gain access to a diverse mix of notes across different asset classes and geographies. <\/p>\n\n\n\n![\"\"](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/percent-blended-notes-2000x950.png\")
<\/a><\/figure>\n\n\n\n\n- Risk<\/strong>: Medium-to-high (7 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: Varies<\/li>\n\n\n\n
- Best for<\/strong>: Accredited investors interested in diversifying their investments<\/li>\n<\/ul>\n\n\n\n\nGet $500 off your initial investment on Percent<\/strong><\/a><\/div>\n<\/div>\n\n\n\n
2. Real Estate (Commercial \/ Residential)<\/strong><\/h2>\n\n\n\nOwning real estate has been one of the best investments over the last 100 years. And with both home prices and rents on the rise, owning real estate can be a great hedge against inflation.<\/p>\n\n\n\n
However, the upfront capital required to purchase real estate keeps many would-be investors on the sidelines. Especially right now, with interest rates so high.<\/p>\n\n\n\n
For some investors, real estate investment trusts (REITs) may be a stepping stone. You can invest in them on the stock market \u2014 find out more here<\/a>.<\/p>\n\n\n\nAnother option? <\/p>\n\n\n\n
Crowdfunded real estate platforms allow you to start investing in real estate directly for much less than buying property outright. Platforms like Yieldstreet<\/a> make it easy to invest in real estate portfolios, and earn regular income from rents paid and equity built over time.<\/p>\n\n\n\n\n- Risk<\/strong>: High (8 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 8% – 20%<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investors looking to diversify their holdings into real estate<\/li>\n<\/ul>\n\n\n\n
Our favorite Real Estate Investment<\/strong>: Yieldstreet<\/a> <\/p>\n\n\n\nDiversification station! Yieldstreet<\/a> gives accredited investors the opportunity to diversify their portfolios with real estate \u2014 as well as hard-to-find assets like art, private equity, and shipping vessels. <\/p>\n\n\n\nWhile many of the individual deals on Yieldstreet are only available to accredited investors, non-accredited investors are welcome to invest in the Alternative Income Fund<\/a>. With a minimum investment of $10k, this fund gives you access to an impressive array of alternative assets within a single vehicle \u2014 real estate, private and structured credit, legal finance investments, and more.<\/p>\n\n\n\nNon-accredited investors may also be interested in Fundrise<\/a>, a highly-rated real estate investing platform specializing in funds related to real estate and private credit within the real estate sphere.<\/p>\n\n\n\r\n\tNote: We earn a commission for this endorsement of Fundrise. <\/p>\r\n<\/div><\/div>\n\n
\n![\"real](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/11\/yieldstreet.png\")
<\/a><\/figure><\/div>\n\n\n\nLearn more about Yieldstreet<\/strong><\/a><\/div>\n<\/div>\n\n\n\n3. Real Estate (Farmland)<\/strong><\/h4>\n\n\n\nInvesting in farmland is one of the hottest investment opportunities right now, having outpaced the S&P 500 over the past 30 years.<\/p>\n\n\n\n
In fact, Bill Gates himself is heavily invested in this sector, with over 270,000 acres in his investment portfolio.<\/p>\n\n\n\n
Don\u2019t worry, you don\u2019t need to buy a farm and start planting crops to get in on the action. Platforms like AcreTrader<\/a> offer a way for accredited investors to buy a parcel of farmland, and earn passive income through rents and other income-producing activities.<\/p>\n\n\n\n\n- Risk<\/strong>: High (7 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 6% – 8%<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investments and diversification<\/li>\n<\/ul>\n\n\n\n
Our favorite Real Estate Farmland Platform<\/strong>: AcreTrader<\/a> offers direct investments into high-quality farmland, with a minimum of around $10,000, and steady returns of 6% (or more). Check out our AcreTrader Review<\/a>.<\/p>\n\n\n\n![\"acretrader\"\/](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/02\/pasted-image-0-60.png\")
<\/a><\/figure><\/div>\n\n\n\nLearn more about AcreTrader<\/strong><\/a><\/div>\n<\/div>\n\n\n\n4. Dividend Stocks<\/strong><\/h4>\n\n\n\nDividend stocks<\/a> are an investment in companies that pay stockholders a portion of the profits earned by the company. Dividends are a great way to earn passive income, but can be compounded by \u201creinvesting\u201d your dividends back into the company stock.<\/p>\n\n\n\nDividends are paid by popular companies like Coca-Cola, Microsoft, and Chevron, and are usually indicative of an established company with great financials. But the risk of loss is also much higher than something like an ETF or mutual fund, as you are concentrating your investment on a single company that can lose value in a hurry.<\/p>\n\n\n\n
\n- Risk<\/strong>: High (7 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 5% – 10%<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investing and income for retirees<\/li>\n<\/ul>\n\n\n\n
Our favorite investing app for dividend stocks<\/strong>: M1 Finance<\/a> has hundreds of dividend stocks and expert-built dividend portfolios (called \u201cPies\u201d) you can use.<\/p>\n\n\n\n![\"M1](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/02\/pasted-image-0-58.png\")
<\/a><\/figure><\/div>\n\n\n\nLearn more about M1 Finance<\/strong><\/a><\/div>\n<\/div>\n\n\n\n5. ETFs<\/strong><\/h4>\n\n\n\nExchange Traded Funds (ETFs) are funds composed of a basket of securities (such as stocks, bonds, and other assets) in a single investment. These funds carry low fees and offer a way to own hundreds (or thousands) of assets within a single investment.<\/p>\n\n\n\n
If you want to own the entire U.S. stock market, you can invest in an ETF like $VTI. While ETFs are an excellent way to easily diversify your portfolio, you\u2019re still investing in individual companies and your investment will fluctuate with the stock market.<\/p>\n\n\n\n
\n- Risk<\/strong>: Moderate (6 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 5% – 10%<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investments including retirement and brokerage accounts<\/li>\n<\/ul>\n\n\n\n
Our favorite investing app for ETFs<\/strong>: M1 Finance<\/a> carries thousands of ETFs with no trading fees and low expense ratios. Check out our M1 Finance Review<\/a>.<\/p>\n\n\n\n![\"compound](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/02\/pasted-image-0-56.png\")
<\/a><\/figure><\/div>\n\n\n\nLearn more about M1 Finance<\/strong><\/a><\/div>\n<\/div>\n\n\n\n6. <\/strong>Corporate Bonds<\/h4>\n\n\n\nCorporate bonds are a way to invest in corporate debt, allowing companies to borrow funds, while paying out a monthly or quarterly dividend. Corporate bonds can be purchased directly through most brokers, and offer a more stable way to secure fixed income in retirement.<\/p>\n\n\n\n
Corporate bonds are seen as more risky than government bonds, as corporations can go out of business, and returns are not guaranteed. But the payouts are higher, allowing you to compound your returns at a higher rate.<\/p>\n\n\n\n
\n- Risk<\/strong>: Moderate (5 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 5% – 7%<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investors and passive income<\/li>\n<\/ul>\n\n\n\n
Our favorite investing app for bonds<\/strong>? Public’s Bond Account<\/a> is one of the easiest ways to gain entry to the corporate bond market. <\/p>\n\n\n\nIt has an impressive annual percentage yield considering the caliber of the bonds \u2014 7.3% as of April 2025.<\/p>\n\n\n\n
The way it works is pretty simple:<\/p>\n\n\n\n
\n- Fund your account \u2014 your deposit will go toward a portfolio of 10 investment-grade and high-yield corporate bonds<\/strong>.<\/li>\n\n\n\n
- Get paid monthly! Public\u2019s Bond Account generates a monthly yield; when your income reaches $1,000, it\u2019s automatically reinvested.<\/li>\n\n\n\n
- If you hold to the maturity date, you\u2019ll receive the highest yield; however, you can withdraw early.<\/li>\n<\/ol>\n\n\n\n\nExplore a Bond Account on Public<\/a><\/div>\n<\/div>\n\n\n\n
<\/p>\n\n\n\n
Note: You can also buy individual bonds on Public.<\/p>\n\n\n\n
7. Treasury Bills (T Bills)<\/strong><\/h4>\n\n\n\nTreasury Bills (T Bills) are a short-term government debt obligation backed by the U.S. government. <\/p>\n\n\n\n
T Bills are purchased at a discount, and then are redeemed at maturity for the face value, giving you a return. There are several maturity lengths, including 4, 8, 13, 17, 26, and 52 weeks.<\/p>\n\n\n\n
T Bills are currently paying out over 4.5% APR in interest, with higher interest rates available on shorter-term bills. They are very secure investments, but do require a bit of legwork to purchase and sell.<\/p>\n\n\n\n
\n- Risk<\/strong>: Low (3 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 4% – 5%<\/li>\n\n\n\n
- Best for<\/strong>: Short-term investment returns<\/li>\n<\/ul>\n\n\n\n
How to Buy T Bills<\/strong>: You can buy Treasury Bills via a secure compound interest account directly from the U.S. government using the TreasuryDirect.gov<\/a> website, but I personally find navigating that dinosaur of a website to be frustrating. <\/p>\n\n\n\nThat’s why I have a monthly recurring Treasury Account buy on Public.com<\/a>, where you can invest in T-bills in increments of $100 and they’ll automatically roll over at maturity until you decide to cash in your investments. <\/p>\n\n\n\n\nStart a Treasury Account on Public<\/a><\/div>\n<\/div>\n\n\n\n8. I Bonds<\/strong><\/h4>\n\n\n\nI Bonds are government-backed savings bonds that provide a return that is based on the current inflation rate.<\/p>\n\n\n\n
With today\u2019s sky-high inflation, these provide a great return, currently offering 6.89% for the next six months. But be aware, as inflation comes down, so will the returns on I Bonds. <\/p>\n\n\n\n
I Bonds have a minimum holding period of five years (max 30 years), but you can sell them after 12 months if you need the cash. Just be aware that if you sell prior to five years, you will forfeit three months\u2019 worth of interest.<\/p>\n\n\n\n
\n- Risk<\/strong>: Low (2 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 6.89%<\/li>\n\n\n\n
- Best for<\/strong>: Medium-term savings and investments (rental home down payment, fixed-income, etc.)<\/li>\n<\/ul>\n\n\n\n
How to Buy I Bonds<\/strong>: You can buy an I Bonds directly from the U.S. government using the TreasuryDirect.gov<\/a> website. Simply sign up for a Treasury Direct account, verify your identity, and purchase up to $10,000 in I Bonds each year. You can also use your tax refund to purchase I Bonds directly.<\/p>\n\n\n\n![\"I](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-08-at-9.12.11\u202fAM-2000x927.png\")
<\/figure><\/div>\n\n\n\nLearn more about I Bonds<\/strong><\/a><\/div>\n<\/div>\n\n\n\n9. Certificates of Deposit<\/strong><\/h4>\n\n\n\nCertificates of Deposit (CDs) are deposit accounts that offer a fixed interest rate in return for locking up your money for a set period of time.<\/p>\n\n\n\n
CDs pay out a lump sum of interest at maturity, and typically penalize you for withdrawing funds early. CDs pay out higher interest rates than a traditional saving account, but usually require a higher minimum deposit.<\/p>\n\n\n\n
\n- Risk<\/strong>: Low (2 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 3% – 5%<\/li>\n\n\n\n
- Best for<\/strong>: Short-term savings and investments (down payments, etc.)<\/li>\n<\/ul>\n\n\n\n
Our favorite CD<\/strong>: CIT Bank<\/a> is offering 3.50% annual percentage yield (APY) on select term CDs right now with a minimum deposit of $1,000.<\/p>\n\n\n\n\nCheck out CIT Bank<\/a><\/div>\n<\/div>\n\n\n\n10. High Yield Savings Accounts (HYSAs)<\/strong><\/h4>\n\n\n\nHigh Yield Savings Accounts (HYSAs) are one of the most accessible types of compound interest accounts. It’s a type of high interest savings account that offer better rates than a traditional savings account, and still give you access to your funds. They are a great alternative to CDs, which lock up your funds. <\/p>\n\n\n\n
HYSA accounts offered through financial institutions are also FDIC insured up to $250,000, keeping your funds safe while deposited. HYSAs used to cap the amount of transfers per month, but now they function similar to a regular savings account, with no limits on deposits and withdrawals.<\/p>\n\n\n\n
\n- Risk<\/strong>: Low (1 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 3% – 5%<\/li>\n\n\n\n
- Best for<\/strong>: Emergency funds and other liquid savings goals<\/li>\n<\/ul>\n\n\n\n
Our favorite HYSA<\/strong>: Right now, Public<\/a> offers a High-Yield Cash account that offers an impressive 4.10% annual percentage yield (APY). In contrast, the interest rate on an average savings account from most financial institutions clocks in at about 0.01%. <\/p>\n\n\n\nTo put that in context, $10,000 in a HYSA with 4.10% interest \u2014 not even factoring in compounding \u2014 would earn you about $400 in a year. An account offering 0.01% interest would make you about $1.00. <\/em><\/p>\n\n\n\nTechnically, Public’s is not a HYSA but a High-Yield Cash account. These high interest accounts are swept to partner banks to help you harness the power of compound interest \u2014 but they’re still FDIC-insured.<\/p>\n\n\n\n
For more ideas on how to maximize compound interest with high-yield savings, check out this list of the best high-yield savings accounts<\/a>.<\/p>\n\n\n\n\nLearn more about Public’s high-yield cash account<\/strong><\/a><\/div>\n<\/div>\n\n\n\n11. Max out your 401k and Reduce Fees<\/strong><\/h4>\n\n\n\nInvesting in your retirement account is always a good plan, but did you know that many plans charge high fees? In fact, 401k accounts are notorious for administrative and fund fees that eat into your retirement savings. But it doesn\u2019t mean you should stop investing. Many 401k accounts offer matching funds, which is one of the best ways to build wealth.<\/p>\n\n\n\n
You can save on fees within your 401k or IRA, but you need to know where the fees are coming from. Luckily, there are free tools that can help you with this. Empower is a free online investment tracker that has a built-in fee-analyzer to help you review your retirement accounts, and will show you all the fees you are paying. This can help you avoid high-fee fund and ultimately save tens of thousands in retirement fees along the way.<\/p>\n\n\n\n
\n- Risk<\/strong>: Varies<\/li>\n\n\n\n
- Returns<\/strong>: 3% – 12%<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investments for retirement<\/li>\n<\/ul>\n\n\n\n
How to Reduce Fees<\/strong>: You can review all the fees in your 401k and other retirement accounts with the free Empower Fee Analyzer<\/a>. Just connect your investment accounts and review the fees within the Empower Fee Analyzer Dashboard<\/a>.<\/p>\n\n\n\n![\"Personal](\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/02\/pasted-image-0-59.png\")
<\/a><\/figure><\/div>\n\n\n\nLearn more about Empower<\/strong><\/a><\/div>\n<\/div>\n\n\n\n12. Crypto IRAs<\/strong><\/h4>\n\n\n\nInvesting in crypto is a great way to diversify your investment portfolio, but it\u2019s not for everyone. Crypto comes with an exceptionally high level of risk.<\/p>\n\n\n\n
But, Bitcoin is the best-performing asset of the past and continues to grow as a legitimate alternative investment. And to save on taxes, there are now crypto IRA platforms that allow you to invest in Bitcoin (and other cryptocurrencies) within a retirement account.<\/p>\n\n\n\n
If you\u2019re a long-term believer in crypto assets, crypto IRAs are a great way to invest.<\/p>\n\n\n\n
\n- Risk<\/strong>: Very High (10 out of 10)<\/li>\n\n\n\n
- Returns<\/strong>: 100%+<\/li>\n\n\n\n
- Best for<\/strong>: Long-term investors and those looking for alternative asset exposure. <\/li>\n<\/ul>\n\n\n\n
Our favorite Crypto IRA<\/strong>: iTrustCapital<\/a> offers access to 30 different cryptocurrencies (plus gold and silver), with low trading fees and no extra setup fees to open an account. Check out my iTrustCapital Review<\/a>.<\/p>\n\n\n
<\/a><\/figure>\n\n\n\nThat’s all well and good, but how about the cold, hard numbers? As of December 31, 2024, Percent’s annual returns averaged 18.13% weighted annual percentage yield (APY). With historical results like that, it’s not hard to see why accredited investors are so attracted to this little-known alternative asset class. <\/p>\n\n\n\n
As a benefit for newer private credit investors (or those looking for diversity), Percent offers the Percent Blended Note<\/a>, which is sort of like a private credit fund you can invest in. Within a single investment, you gain access to a diverse mix of notes across different asset classes and geographies. <\/p>\n\n\n\n Owning real estate has been one of the best investments over the last 100 years. And with both home prices and rents on the rise, owning real estate can be a great hedge against inflation.<\/p>\n\n\n\n However, the upfront capital required to purchase real estate keeps many would-be investors on the sidelines. Especially right now, with interest rates so high.<\/p>\n\n\n\n For some investors, real estate investment trusts (REITs) may be a stepping stone. You can invest in them on the stock market \u2014 find out more here<\/a>.<\/p>\n\n\n\n Another option? <\/p>\n\n\n\n Crowdfunded real estate platforms allow you to start investing in real estate directly for much less than buying property outright. Platforms like Yieldstreet<\/a> make it easy to invest in real estate portfolios, and earn regular income from rents paid and equity built over time.<\/p>\n\n\n\n Our favorite Real Estate Investment<\/strong>: Yieldstreet<\/a> <\/p>\n\n\n\n Diversification station! Yieldstreet<\/a> gives accredited investors the opportunity to diversify their portfolios with real estate \u2014 as well as hard-to-find assets like art, private equity, and shipping vessels. <\/p>\n\n\n\n While many of the individual deals on Yieldstreet are only available to accredited investors, non-accredited investors are welcome to invest in the Alternative Income Fund<\/a>. With a minimum investment of $10k, this fund gives you access to an impressive array of alternative assets within a single vehicle \u2014 real estate, private and structured credit, legal finance investments, and more.<\/p>\n\n\n\n Non-accredited investors may also be interested in Fundrise<\/a>, a highly-rated real estate investing platform specializing in funds related to real estate and private credit within the real estate sphere.<\/p>\n\n\n Note: We earn a commission for this endorsement of Fundrise. <\/p>\r\n<\/div><\/div>\n\n Investing in farmland is one of the hottest investment opportunities right now, having outpaced the S&P 500 over the past 30 years.<\/p>\n\n\n\n In fact, Bill Gates himself is heavily invested in this sector, with over 270,000 acres in his investment portfolio.<\/p>\n\n\n\n Don\u2019t worry, you don\u2019t need to buy a farm and start planting crops to get in on the action. Platforms like AcreTrader<\/a> offer a way for accredited investors to buy a parcel of farmland, and earn passive income through rents and other income-producing activities.<\/p>\n\n\n\n Our favorite Real Estate Farmland Platform<\/strong>: AcreTrader<\/a> offers direct investments into high-quality farmland, with a minimum of around $10,000, and steady returns of 6% (or more). Check out our AcreTrader Review<\/a>.<\/p>\n\n\n Dividend stocks<\/a> are an investment in companies that pay stockholders a portion of the profits earned by the company. Dividends are a great way to earn passive income, but can be compounded by \u201creinvesting\u201d your dividends back into the company stock.<\/p>\n\n\n\n Dividends are paid by popular companies like Coca-Cola, Microsoft, and Chevron, and are usually indicative of an established company with great financials. But the risk of loss is also much higher than something like an ETF or mutual fund, as you are concentrating your investment on a single company that can lose value in a hurry.<\/p>\n\n\n\n Our favorite investing app for dividend stocks<\/strong>: M1 Finance<\/a> has hundreds of dividend stocks and expert-built dividend portfolios (called \u201cPies\u201d) you can use.<\/p>\n\n\n Exchange Traded Funds (ETFs) are funds composed of a basket of securities (such as stocks, bonds, and other assets) in a single investment. These funds carry low fees and offer a way to own hundreds (or thousands) of assets within a single investment.<\/p>\n\n\n\n If you want to own the entire U.S. stock market, you can invest in an ETF like $VTI. While ETFs are an excellent way to easily diversify your portfolio, you\u2019re still investing in individual companies and your investment will fluctuate with the stock market.<\/p>\n\n\n\n Our favorite investing app for ETFs<\/strong>: M1 Finance<\/a> carries thousands of ETFs with no trading fees and low expense ratios. Check out our M1 Finance Review<\/a>.<\/p>\n\n\n Corporate bonds are a way to invest in corporate debt, allowing companies to borrow funds, while paying out a monthly or quarterly dividend. Corporate bonds can be purchased directly through most brokers, and offer a more stable way to secure fixed income in retirement.<\/p>\n\n\n\n Corporate bonds are seen as more risky than government bonds, as corporations can go out of business, and returns are not guaranteed. But the payouts are higher, allowing you to compound your returns at a higher rate.<\/p>\n\n\n\n Our favorite investing app for bonds<\/strong>? Public’s Bond Account<\/a> is one of the easiest ways to gain entry to the corporate bond market. <\/p>\n\n\n\n It has an impressive annual percentage yield considering the caliber of the bonds \u2014 7.3% as of April 2025.<\/p>\n\n\n\n The way it works is pretty simple:<\/p>\n\n\n\n <\/p>\n\n\n\n Note: You can also buy individual bonds on Public.<\/p>\n\n\n\n Treasury Bills (T Bills) are a short-term government debt obligation backed by the U.S. government. <\/p>\n\n\n\n T Bills are purchased at a discount, and then are redeemed at maturity for the face value, giving you a return. There are several maturity lengths, including 4, 8, 13, 17, 26, and 52 weeks.<\/p>\n\n\n\n T Bills are currently paying out over 4.5% APR in interest, with higher interest rates available on shorter-term bills. They are very secure investments, but do require a bit of legwork to purchase and sell.<\/p>\n\n\n\n How to Buy T Bills<\/strong>: You can buy Treasury Bills via a secure compound interest account directly from the U.S. government using the TreasuryDirect.gov<\/a> website, but I personally find navigating that dinosaur of a website to be frustrating. <\/p>\n\n\n\n That’s why I have a monthly recurring Treasury Account buy on Public.com<\/a>, where you can invest in T-bills in increments of $100 and they’ll automatically roll over at maturity until you decide to cash in your investments. <\/p>\n\n\n\n I Bonds are government-backed savings bonds that provide a return that is based on the current inflation rate.<\/p>\n\n\n\n With today\u2019s sky-high inflation, these provide a great return, currently offering 6.89% for the next six months. But be aware, as inflation comes down, so will the returns on I Bonds. <\/p>\n\n\n\n I Bonds have a minimum holding period of five years (max 30 years), but you can sell them after 12 months if you need the cash. Just be aware that if you sell prior to five years, you will forfeit three months\u2019 worth of interest.<\/p>\n\n\n\n How to Buy I Bonds<\/strong>: You can buy an I Bonds directly from the U.S. government using the TreasuryDirect.gov<\/a> website. Simply sign up for a Treasury Direct account, verify your identity, and purchase up to $10,000 in I Bonds each year. You can also use your tax refund to purchase I Bonds directly.<\/p>\n\n\n Certificates of Deposit (CDs) are deposit accounts that offer a fixed interest rate in return for locking up your money for a set period of time.<\/p>\n\n\n\n CDs pay out a lump sum of interest at maturity, and typically penalize you for withdrawing funds early. CDs pay out higher interest rates than a traditional saving account, but usually require a higher minimum deposit.<\/p>\n\n\n\n Our favorite CD<\/strong>: CIT Bank<\/a> is offering 3.50% annual percentage yield (APY) on select term CDs right now with a minimum deposit of $1,000.<\/p>\n\n\n\n High Yield Savings Accounts (HYSAs) are one of the most accessible types of compound interest accounts. It’s a type of high interest savings account that offer better rates than a traditional savings account, and still give you access to your funds. They are a great alternative to CDs, which lock up your funds. <\/p>\n\n\n\n HYSA accounts offered through financial institutions are also FDIC insured up to $250,000, keeping your funds safe while deposited. HYSAs used to cap the amount of transfers per month, but now they function similar to a regular savings account, with no limits on deposits and withdrawals.<\/p>\n\n\n\n Our favorite HYSA<\/strong>: Right now, Public<\/a> offers a High-Yield Cash account that offers an impressive 4.10% annual percentage yield (APY). In contrast, the interest rate on an average savings account from most financial institutions clocks in at about 0.01%. <\/p>\n\n\n\n To put that in context, $10,000 in a HYSA with 4.10% interest \u2014 not even factoring in compounding \u2014 would earn you about $400 in a year. An account offering 0.01% interest would make you about $1.00. <\/em><\/p>\n\n\n\n Technically, Public’s is not a HYSA but a High-Yield Cash account. These high interest accounts are swept to partner banks to help you harness the power of compound interest \u2014 but they’re still FDIC-insured.<\/p>\n\n\n\n For more ideas on how to maximize compound interest with high-yield savings, check out this list of the best high-yield savings accounts<\/a>.<\/p>\n\n\n\n Investing in your retirement account is always a good plan, but did you know that many plans charge high fees? In fact, 401k accounts are notorious for administrative and fund fees that eat into your retirement savings. But it doesn\u2019t mean you should stop investing. Many 401k accounts offer matching funds, which is one of the best ways to build wealth.<\/p>\n\n\n\n You can save on fees within your 401k or IRA, but you need to know where the fees are coming from. Luckily, there are free tools that can help you with this. Empower is a free online investment tracker that has a built-in fee-analyzer to help you review your retirement accounts, and will show you all the fees you are paying. This can help you avoid high-fee fund and ultimately save tens of thousands in retirement fees along the way.<\/p>\n\n\n\n How to Reduce Fees<\/strong>: You can review all the fees in your 401k and other retirement accounts with the free Empower Fee Analyzer<\/a>. Just connect your investment accounts and review the fees within the Empower Fee Analyzer Dashboard<\/a>.<\/p>\n\n\n Investing in crypto is a great way to diversify your investment portfolio, but it\u2019s not for everyone. Crypto comes with an exceptionally high level of risk.<\/p>\n\n\n\n But, Bitcoin is the best-performing asset of the past and continues to grow as a legitimate alternative investment. And to save on taxes, there are now crypto IRA platforms that allow you to invest in Bitcoin (and other cryptocurrencies) within a retirement account.<\/p>\n\n\n\n If you\u2019re a long-term believer in crypto assets, crypto IRAs are a great way to invest.<\/p>\n\n\n\n Our favorite Crypto IRA<\/strong>: iTrustCapital<\/a> offers access to 30 different cryptocurrencies (plus gold and silver), with low trading fees and no extra setup fees to open an account. Check out my iTrustCapital Review<\/a>.<\/p>\n\n\n<\/a><\/figure>\n\n\n\n\n
2. Real Estate (Commercial \/ Residential)<\/strong><\/h2>\n\n\n\n
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<\/a><\/figure><\/div>\n\n\n3. Real Estate (Farmland)<\/strong><\/h4>\n\n\n\n
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<\/a><\/figure><\/div>\n\n\n4. Dividend Stocks<\/strong><\/h4>\n\n\n\n
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<\/a><\/figure><\/div>\n\n\n5. ETFs<\/strong><\/h4>\n\n\n\n
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<\/a><\/figure><\/div>\n\n\n6. <\/strong>Corporate Bonds<\/h4>\n\n\n\n
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7. Treasury Bills (T Bills)<\/strong><\/h4>\n\n\n\n
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8. I Bonds<\/strong><\/h4>\n\n\n\n
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<\/figure><\/div>\n\n\n9. Certificates of Deposit<\/strong><\/h4>\n\n\n\n
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10. High Yield Savings Accounts (HYSAs)<\/strong><\/h4>\n\n\n\n
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11. Max out your 401k and Reduce Fees<\/strong><\/h4>\n\n\n\n
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<\/a><\/figure><\/div>\n\n\n12. Crypto IRAs<\/strong><\/h4>\n\n\n\n
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