4 Expert Ways to Invest Money for All Ages

Why should you invest according to Payday Depot? Plain and simple – to have extra income. 

Some people view it as an expense. Yet, we see it as the ultimate way to provide a retirement fund or financial security

Instead of looking at it as a luxury, it should be an essential aspect of planning one’s financial future. Remember, don’t work for money but let money work for you. 

Responsible and well-planned-out investments can yield positive results for your portfolio. It is accessible to anyone regardless of age and income. 

First, there are four things to consider before investing:

  1. High risk or low-risk investment
  2. Active or passive investment style
  3. Allotted time for research and gaining knowledge
  4. Amount of money willing to invest

After determining the investment style, choose from the following types of investments below. This article tackles the four easy ways to invest.


A cryptocurrency is a form of digital currency using coins and tokens. It works through blockchain technology which holds the history of all public transactions. 

With this technology, it promises transparency and protection for all investors. Moreover, you’ll need a digital wallet to store them. 

It is a secure and safe wallet needing private keys to access it, which only the owner knows. Try investing in some of the most popular cryptocurrencies like Bitcoin and CateCoin.

Real Estate

The best thing about real estate is that it is a tangible asset. Whether the value depreciates or appreciates, it is still worth something.

Even when the value lowers in times of crisis, it can still serve as a passive income when used as a rental. It can become a rental property for the long-term or short-term. 

The downside is the long dreary process – from finding a buyer to dealing with an agent. Make the process easier by seeking help from a legitimate real estate agent or platform.

High-Yield Savings Accounts

A high-yield savings account offers more flexibility for all levels of income. Unlike the usual savings account, expect offers of higher interest rates.

But, there is a catch – it won’t reach your long-term savings goals. Plus, interest rates fluctuate and change over time.

Thus, it’s only best to use this as one of your investment portfolios. Plus, we recommend using this only as an emergency fund. 

Certificate of Deposit

A certificate of deposit (CD) is a perfect investment for a determined long-term goal. As long as you keep the money untouched within the term, you can expect guaranteed returns.

If you withdraw the money before its full term, expect to pay a penalty fee. This type of investment is best for those with a definite time and date in utilizing the money.

Whether you need it for wedding funds or a downpayment for a car or house, this can be the best choice.


These are some of the easiest methods to start building your investment portfolio. We recommend gaining basic investment knowledge before tackling more complicated ones.

Invest in high- or low-risk investments, depending on your risk appetite. Getting started can be intimidating, so take the time to research and gain knowledge.