Investing has long ceased to be an activity only for professionals. You don’t need to have a financial education to make successful investments. Today, all you need to start growing your capital is a regular smartphone and a little bit of analytics. You will also need a stable Internet connection and a small amount of start-up capital. Thanks to online tools, investing has become accessible to everyone: from students to experienced professionals. Platforms such as 1xBet casino allow you to choose the appropriate level of risk and monitor your portfolio in real time. Many even copy the strategies of professionals. Take 1xBet casino, for example: deposits, winnings with interest. The advantage of the platform is that it teaches discipline and responsible gaming.
It is better to start with a small amount. If you see that things are going well, you can gradually increase your investment. The main thing is to determine for yourself what you expect from the investment and what income you want to have. In this article, we will take a detailed look at 10 ways to invest money online in 2025, dividing them by level of complexity – from simple solutions for beginners to more advanced strategies for professionals.
Banking operations and savings accounts
If you are taking your first steps in investing, banking products are the best choice: high-interest deposits, savings accounts, and investment programs at banks. These instruments are reliable—your money is insured, and you can manage it through your usual banking apps. Depositors do not need to monitor the market daily: everything works stably.
The advantage of such investments is that you can immediately see the growth of your funds and plan for a small but stable income. The disadvantage is limited profitability: usually 5-7% per annum, which is lower than the stock market. The 1xBet platform is also considered an investment to some extent. For example, you can make a minimum deposit, win, and collect interest. Yes, it’s risky, but if you win, the “investment” pays off handsomely.
Tip: use bank investments as a “training ground” — learn to manage your capital without risking large sums.
Investing in ETFs and index funds
ETFs (Exchange Traded Funds) are funds that help you keep track of the market and its dynamics. For example, buying an ETF on the S&P 500 means that you are buying shares in several companies at once.
ETFs provide risk diversification—you are not dependent on the results of a single company, and your income is generated by the market as a whole. This is convenient for both beginners and experienced investors.
The main advantage is simplicity. You only need to buy one instrument to “connect” to a large market. Plus, these funds often have low fees.
Tip: Start with large funds that track global indices. Over time, you can add sector ETFs, such as technology, energy, or healthcare.
Company shares and dividends
Buying shares is a classic way to invest. In 2025, mobile apps made shares more accessible.
The bottom line is that you receive interest. Then you can sell the shares at a higher price. The difference is your net profit. Investors mainly invest in large projects and companies. They are well-known, trusted, and not feared. They are considered safe. Don’t forget to analyze the market: this will give you a better chance of understanding the intricacies of investing. Yes, there is risk, but the returns are high.
To reduce the risk, follow the strategy of professionals and start with large companies. They are more trusted and are always in the spotlight. Then you can try investing in smaller companies. However, it is better to check them out first. There are special services for this, and you should also listen to reviews.
Cryptocurrencies and digital assets
Cryptocurrencies and investments are closely linked. You can invest not only in Bitcoin or Ether, but also in tokens of promising projects, staking, and DeFi platforms. The returns are high. However, the risk is even higher. Crypto rates can fluctuate significantly over short periods of time. Therefore, it is important to:
- use licensed platforms;
- invest only the amount you are willing to lose;
- diversify your portfolio.
A little advice: it is better to buy coins that you are confident in first. If everything goes well, then you can expand. Gradually start working with other coins.
P2P lending
P2P (peer-to-peer) lending is an opportunity to invest through lending. You lend money to both individuals and companies. Instead of giving money to a bank, you give it directly to the borrower and receive income in the form of interest.
This approach has advantages: high returns compared to bank deposits. Usually, the platform assesses the borrower’s risk and sets an appropriate interest rate. Build a portfolio of several loans. This will reduce the risk of loss.
Example: you gave $100 to 10 borrowers. The borrowers are different, and so is the level of risk. Even if one loan is not repaid, the others will compensate for the loss. And the overall profit remains positive.
Beginners should:
- start by lending small amounts;
- distribute money among different loans and borrowers, without focusing on one project;
- look at ratings and check the projects you trust with your money.
Conclusion: this type of loan is a good way to earn income if you are confident in the borrower. However, check everything first. There is a risk that they will not be returned. This method of investment is suitable for those who are ready to invest large sums and receive interest.
Investment in real estate
You can invest money in property online – this method is considered one of the most stable, as the demand for houses and apartments is growing. You don’t need to buy an apartment or house — it is enough to invest in a share of the property, and the income is accrued from rent or an increase in value.
Online real estate crowdfunding platforms allow you to become a co-owner of a business center, apartment, or residential complex, starting with as little as $100-200. The management company takes care of everything—finding tenants, maintenance, and payments.
Advantages:
- Low entry threshold compared to a traditional real estate purchase.
- Transparency – investors can see the projected return, payment schedule, and financial statements.
- The possibility of passive income without personal involvement.
However, there are disadvantages:
- Projects must be simple and understandable.
- Do this: it is better to make several small investments than one large one.
- Keep track of the project exit dates and the possibility of early sale of shares.
Online real estate investments are suitable for those looking for medium-term, stable income with moderate risk. It is a good tool for preserving capital and protecting against inflation.
Venture investments and startups
Venture investments in promising startups allow you to get a share of their future success. The risk here is high, because not every project becomes a “unicorn.” However, if you are lucky, the profits can be enormous.
Online crowdfunding platforms make this market accessible to private investors. You can invest from a few hundred dollars, choosing projects by topic: IT, ecology, medicine, education.
Tips from professionals:
- Check the legal transparency of the platform and the company’s documents.
- It is better to divide your investment into several parts rather than investing in just one. For example, 5-10 projects.
- Study everything before investing.
Such investments are suitable for those who are willing to wait.
We suggest you familiarize yourself with popular online investments using the table.
| Investment instrument | Average return (annual) | Risk level | Minimum entry amount | Level of involvement |
| Cryptocurrencies | 15-60 % | High | From $10 | High |
| Stocks and ETFs | 8-15 % | Medium | From $50 | Medium |
| P2P lending | 10-25 % | Medium | From $20 | Medium |
| Online real estate | 6-12% | Low–medium | From $100 | Low |
| Venture startups | 30-200 % | Very high | From $100 | High |
| Precious metals | 4-8 % | Low | From $10 | Low |
| Robo-advisors | 6-10 % | Medium | From $50 | Low |
| Education and self-development | Unlimited, in the long term | Minimum | From $20 | Medium |
However, you should be aware that these figures are approximate. Actual returns depend on the market, platform, and investor strategy.
This table helps you quickly navigate the options. You can easily find an investment that suits you. It doesn’t matter what you’re looking for: big earnings or experience. There are options.
Investing in gold and precious metals
Gold, silver, and platinum remain classic instruments for protecting capital. Today, you don’t need to buy bullion — you can simply make a digital purchase through an online platform, where the grams are stored in your account.
It’s convenient and safe. Metal prices are constantly rising, so you’ll be in the black.
Tip:
- Keep part of your portfolio (about 10%) in gold or silver for stability.
- Choose platforms with transparent commissions and verified storage certificates.
- Do not use this instrument as your main one — it serves specifically to balance your portfolio.
Metals help you weather financial crises and protect your capital when other markets are unstable. It is an investment in peace of mind and predictability.
First steps to investing
It is already clear that there are several types of investments available today. But how do you choose the one that is right for you? In fact, there is no strategy, but you need to be guided by your capabilities and desires.
Where to start:
- First, set a goal for yourself. What do you expect from your investment? For example, new experiences or income? If you want a stable return, invest in gold.
- Don’t forget about the prospects for future investments. Don’t take risks, especially if you have no experience. Once you have experience, you can invest more money.
- Don’t invest large sums. It’s better to start small. For example, $10. Anyone has that kind of money. However, if you invest it correctly, it will multiply.
- Don’t be afraid to try different instruments. Experts recommend choosing different strategies. For example, you can keep some of your money in P2P, some in ETFs, and a little in gold. This diversification will protect you from unexpected market fluctuations.
- Read more, learn more. The market is constantly changing. Everyone is learning, even experienced investors. The rules are constantly changing. Financial literacy is what you need. This way, you can protect your money.
Investing is a popular way to earn money. For example, many 1xBet customers who want to multiply their winnings do it. Now, all you need is a few dollars to get started. You don’t need any special equipment either, just a mobile phone. The main thing is to think carefully and not rush into making large investments. It’s better to move gradually, with an understanding of where your funds are going. Then, even small investments will eventually turn into a reliable source of income and confidence in the future.
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