22 Unconventional Strategies to Multiply Your Wealth

Investing your money is a great way to maintain financial stability. Each method comes with its own set of rules, potential returns, and risk levels. Here, we delve into 22 strategies that can help you make more from your money. This will help you make sound decisions to increase your financial growth.

Investing in Stocks

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Stock ownership can lead to profit through dividends and value appreciation. The stock market’s volatility demands careful research and patience. Long-term investments usually see the most significant growth, benefiting from market recoveries. Diverse portfolios reduce risks and can stabilize returns.

Exchange-Traded Funds (ETFs)

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Exchange-traded funds combine the best aspects of stocks and mutual funds. They’re traded on stock exchanges, offering flexibility and easy access. Low management fees make ETFs a cost-effective investment option. They’re ideal for achieving diversified exposure to various sectors or regions.

Mutual Funds

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Mutual funds gather funds from numerous investors to purchase a wide variety of investments. Professionals manage them, simplifying the investment process for individuals. Fees and performance vary widely across mutual funds. Due to their hands-off approach, mutual funds are popular in retirement accounts.


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Bonds are loans to governments or corporations that provide regular interest payments. They’re generally safer than stocks but offer lower returns. Bonds can balance riskier investments in a diversified portfolio. Market fluctuations affect bond prices inversely to interest rates.

High-Yield Savings Accounts

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These accounts provide higher interest rates compared to regular savings accounts. They’re best for short-term savings or emergency funds. Accessibility and FDIC insurance up to $250,000 make them a secure option. However, rates may vary based on economic conditions.

Certificates of Deposit (CDs)

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Certificates of Deposit guarantee a fixed rate of interest over a specified term. They’re safe, predictable investments, ideal for risk-averse individuals. Early withdrawal penalties discourage accessing funds before the term ends. CDs suit short- to medium-term savings goals.

Real Estate

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Direct property investment can provide rental income and capital appreciation. Real Estate Investment Trusts (REITs) offer a way to invest without physical properties. Real estate markets can fluctuate based on local economic conditions. Direct investments require significant capital and active management.


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Digital currencies offer high-risk, potentially high-reward investment opportunities. The market is well-known for rapid and unpredictable price changes. Blockchain technology offers security and decentralization. Investors should proceed with caution and conduct thorough research.

Peer-to-Peer Lending

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This investment allows individuals to lend money directly to others, bypassing traditional banks. Returns can be higher than traditional savings or loan products. Risk varies with the borrower’s creditworthiness. Diversifying across multiple loans can reduce risk.

Dividend Stocks

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Some companies distribute profits to shareholders through dividends. Dividend stocks can provide regular income in addition to potential stock price gains. They usually have less volatility compared to stocks that don’t pay dividends. Reinvesting dividends can significantly boost long-term investment growth.


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Automated platforms offer customized investment management based on your goals and risk tolerance. They use algorithms to optimize and adjust your investment portfolio. Fees are typically lower than traditional investment advisors. Robo-advisors are accessible and user-friendly, making them suitable for beginners.


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Investing in physical goods like gold or agricultural products can hedge against inflation. Commodities markets are highly volatile and influenced by global economic factors. Direct investment requires storage and security, while futures allow easier market participation. You should approach diversification into commodities with caution.

Treasury Inflation-Protected Securities (TIPS)

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TIPS are government bonds that adjust for inflation, protecting your investment’s purchasing power. They offer a secure, albeit low-return, investment suitable for conservative portfolios. Interest payments and principal keep adjusting with inflation rates. They’re an effective hedge against rising costs of living.


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Annuities provide a guaranteed income stream, often used for retirement planning. They can be complex and come with various fees. Different types cater to different financial needs and goals. They’re best for those seeking steady, long-term income post-retirement.

Crowdfunding Platforms

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Crowdfunding platforms allows investments in startups and small businesses. If the business succeeds, it offers the potential for high returns. However, the risk of loss is significant, as many startups fail. Crowdfunding is a way to support innovation while diversifying investment portfolios.

Art and Collectibles

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Investing in art and collectibles combines passion with potential profit. The market is illiquid and subjective, requiring expertise to navigate. Appreciation in value can be significant but is not guaranteed. Suitable for those with knowledge of specific collectibles and a long-term perspective.


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Investing in your education improves skills, potentially leading to higher earnings. It’s a long-term investment in personal and professional growth. The costs can be high, but the returns on career advancement are substantial. Considered one of the best investments in your future.


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Certain life insurance policies accumulate cash value over time, serving as an investment. They offer a blend of protection and potential cash growth. Complexity and costs vary widely among policies. Life insurance is a conservative investment vehicle with a protection component.

Angel Investing

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Angel investing involves funding early-stage companies in exchange for equity. It offers high potential returns if the companies succeed. The risk of loss is high, as many startups fail. Suitable for experienced investors with capital to risk and a long investment horizon.

Savings Bonds

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Savings bonds are government-issued, offering a safe, low-risk investment option. They provide a fixed interest rate over a set period. This is ideal for conservative investors and gift-giving. The bonds have limited liquidity till maturity, making them best for long-term savings.

Micro-Investment Apps

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Micro-investment apps round up your purchases and invest the difference. They make investing accessible and easy, even with small amounts of money. Thanks to the power of compounding, these small investments can grow over time. They’re ideal for beginners taking their first step into investing.

Private Equity Funds

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Private equity funds are pools of capital used to invest in private companies. Investors usually need accreditation, meaning they meet certain income and net worth criteria. These investments are illiquid, often locking up the capital for years. Even though less accessible, private equity funds are a great investment option.


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