Where To Invest 100K in 2023 | Best 100K Investment

We earn to make things happen for ourselves and live a life that we like. And while that’s important, it’s equally important to save and in turn, invest to safeguard the future. What if we said that you must invest $100k right away, you’d have too many questions like how and where can you invest 100k. 

But we also have answers to this!

What is The Best Investment if You Have 100K?

If you have this kind of money and have wondered about how to invest 100k, then we’ve got you covered. The below list of methods can help with answering the question of “where can you invest 100k?”

1. Real Estate

Owning a property and collecting rent as a form of fixed income, or buying a property and selling it later for a profit, are traditional real estate investing. However, there are constantly growing ways of investing in real estate, and it is one of the best investments for 100k dollars.

Real estate investment trusts, or REITs, are one common method. These are businesses that own properties that bring in money. Businesses like offices, malls, and hotels provide regular dividends.

2. Peer-to-peer Lending

Peer-to-peer lending has always existed in some way in our society. However, how it exists keeps changing. This might not be the best investment for 100k, but it’s still an idea – and who knows you might end up profiting a lot more. 

For those who don’t know, peer-to-peer lending is when you loan cash to people who need a credit. Keep in mind that there is a possibility that the borrower will not repay the loan. But, by investing 100k in multiple loans, you can lower the risk  – because of diversification. 

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3. Stocks

Still, wondering about what to do with 100k in the bank? Stocks can help! A stock is an ownership stake in a company. They are the most volatile, but they also offer the highest potential return on your investment.

Using an online broker to buy stocks is a simple option to investing 100k. So, when you set up and finance an investment fund, you’ll pick your request type and become a true blue investor. 

One of the best investments with 100k in stocks can be done if you choose your own stock. Also, for better returns, conduct your research with care. For diversification, 15-20 stocks are suggested and keep them for a long time.

4. Government Bonds

Another one of the best ways to invest 100k is through government bonds .A government bond is a loan made by you to a government entity that pays investors interest over a fixed period of time. This is typically done in one to thirty years, in exchange for the bond. 

Additionally, bonds are referred to as a fixed-income security due to their consistent payment schedule. Given that they are backed by the full faith and credit of the United States government, government bonds are virtually risk-free investments. And hence, they are ‘the 100k best investment’.

5. Crypto

Cryptocurrencies are becoming increasingly popular as an answer to the question “where to invest 100k or what to do with 100k”. These digital coins operate independently of any one organization on a decentralized blockchain platform.

If you are willing to accept the market’s high risk and volatility, cryptocurrency is an excellent investment. But, before you do the purchasing or trading, you must conduct appropriate research. As finding stable cryptocurrency coins can help you diversify your investments.

6. Gold

A common answer to “where to invest 100k right now” has got to be gold. This is because the price of gold typically rises along with the cost of living. And if you want to protect yourself from rising prices, gold investing is the best option. 

Plus if you want to put money into assets that don’t depend on the stock market, then the best places to invest 100k is gold. And there are numerous methods for investing 100k dollars there. For instance, physical gold can be purchased from vendors like Goldco, or Oxford Gold Group. Finally, you can even use ETFs or cryptocurrencies to invest in gold.

7. Invest In A Business 

More on how to invest 100k – you can put the money in a business. These days, equity crowdfunding is the method of choice for angel investors.. Here, the amount of money you contribute will determine the size of your share. 

Typically, this is an extremely long-term investment, but if there’s scope, it can truly benefit you. As companies usually have a dividend agreement that gives investors a cut of the company’s profits. 

Also, investing in start-ups is the best 100k investment idea, as their costs are low. This is for people who want to put money in a business but don’t have millions of dollars to invest right away. 

8. Individual Retirement Account 

You should make contributions to your retirement account at an early age, so as to enjoy the benefits. In 2023, the maximum amount that can be contributed to an IRA (Individual Retirement Account) is $6,500, or $7,500 if you are 50 or older. Plus, there are more investment options with an IRA.

With this you can save however much as you can to ensure a constant income. And support the same lifestyle that you like. This is the best way to invest $100,000 and a great answer to how to invest $100,000 practically, without risks.

9. Saving Accounts 

Cash management and online savings accounts offer higher rates of return than traditional bank savings or checking accounts. A cash management account pays interest on your holdings. They are the best way to invest $100,000 as they also give you a liquid cash account that lets you get your money quickly. 

If you’re wondering what to do with $100,000 for a short time, this is it, as savings act as the perfect emergency fund.

10. Healthcare & College Fund 

Another practical answer to ‘how to invest $100,000’ is saving for healthcare and your child’s college fund. You can save money for healthcare expenses through a health savings account. If you are enrolled in a high-deductible health plan (HDHP), only then can you do that. 

The good part is that contributions are tax-deductible, and the money grows tax-deferred in the account. So, you can take the money out tax-free if you use it for healthcare.

Additionally, you can save for your child’s college fund. For this, you could contribute a portion of your funds to a 529 plan. And the gains from the plan are exempt from tax if used for college expenses. So, these are probably the best ways to invest 100k.


If you have large sums of money like around $100,000, you would definitely want to find ways to save and invest it. This can be done by recognizing your goals and the term you want to invest the money for. 

And when you have done that, you must be questioning – where can you invest 100k? We’ve listed some of the best places to invest 100k. So, it’s even better if you do the research and do the investment as soon as you can!

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