Due to inflation, leaving your money in a low-interest bank account makes your money less valuable over time. Although the amount of money you have saved doesn’t decrease, your money won’t as stretch as far as it did a year or two ago.
And that’s why finding ways to invest your money is beneficial. By choosing the right investments, you can outperform the typical rate of inflation and ensure your hard-earned money continues to grow.
What is the best method to invest my money?
The best investment methods depend on personal circumstances, including how much money you are prepared to invest, how much risk you’re willing to take and how accessible you want your money to be. What might be the optimum investment strategy for one person may not be for another.
Nevertheless, we can still take a look at some of the most fruitful investment options. Read on to uncover some of the best ways to invest your money.
5 ways to invest this year
1. Fixed interest securities
Fixed-interest securities refer to savings accounts that provide a fixed rate of interest for their full term. The most common example is a fixed-term bond, which will usually pay more interest than a generic savings account. Just be aware that you won’t be able to access your money for the full term unless you pay a penalty.
2. Buy-to-Let properties
Rental markets continue to become more valuable in the UK and overseas. Buying a property at home or abroad and then renting it out could provide you with a monthly income and an asset that could continue to increase in value.
If you decide to go down this investment route, you might need to consider a BTL mortgage and BTL insurance policies.
3. Stocks and shares investments
Stocks and shares are now an accessible investment option to the masses. You no longer need a personal stockbroker to get involved. However, it’s still recommended to get investment advice before getting started. Moneysprite advisers can answer your stock market questions and help you get started.
4. Private pensions
A low-risk investment option could be a private pension. There are many different types of private pension options to consider, and the best one for you will depend on personal circumstances and your retirement plan.
5. Invest in art and antiques
A more left-field investment method is to invest in art, antiques, wine and collectables. There are lots of items and treasures that become more valuable over time. By acquiring them and taking care of them you could sell them for much more in later life. Nowadays, you can even invest in art digitally through the development of Non-Fungible Tokens (NFTs).
Investment advice from Moneysprite
We welcome individuals and couples to enquire about our investment advice services. We can discuss a wide range of investment opportunities based on your personal situation and preferences. Contact one of our advisers at your earliest convenience.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
Approved by The Openwork Partnership on 14/10/2025.
