Blog Invest Where to Invest Money in 2022: The Top 4 Tips

Where to Invest Money in 2022: The Top 4 Tips

date September 5, 2022 time 6 min read 107 views

You’ve probably heard stories about how other people have invested money and earned eye watering returns—maybe even those people were your close family or friends. But when it comes to the finer details of how they achieve this, the world of investing can seem mysterious and confusing. If you’re wondering where to invest money for the best results, look no further.

Some rules are meant to be broken, but we recommend sticking to these ones when investing.
Some rules are meant to be broken, but we recommend sticking to these ones when investing. (Source: Pixabay)

We all want to grow our nest egg, especially during times of high inflation and economic uncertainty. It’s not an easy feat to double your money in a matter of years—if that was the case, we’d all be millionaires. But on the bright side, achieving modest returns is possible if you know what you’re doing. For that, you’ll need to learn the basic rules of investing and understand where to invest money for the best results.

Fortunately, we’ve got your back. So, read on to find out for yourself.

Rules of investment 

Investing sometimes gets a bad rep for being a scam or a gamble. But more often than not, the people who end up getting scammed or losing all their money experience this because they were unaware of the basic rules of investment. If you understand how investing really works, you’ll never have to fall prey to scammers or untrustworthy platforms.

Greater returns means greater risk

When you invest your money, it’s not miracles that make it increase in size. Most of the time, you’re using your money to fund something (e.g., a business) that may or may not be successful. If you’re correct about it being successful, you’ll reap the rewards. Otherwise, you could lose your money.

In some cases, you’re practically guaranteed a return, such as government bonds. These are as close to risk-free as it gets since the government is promising to repay the money it borrows from you—but as a result, you shouldn’t expect the bonds to do much more than beat inflation. In contrast, if you’re investing in a new startup, there’s a good chance it will fail—so to counter this risk, you’ll be offered great returns as an incentive.

As a result, it follows that anything that seems “too good to be true” probably is. Returns of 50% or 100% are never a guarantee. 

Always diversify

When people compare investing to gambling, they usually assume that investors are “betting” on a single company (or a small number of companies). In reality, one of the golden rules of investing is to diversify, which means investing in a wide selection of asset classes. 

This way, even if one asset decreases in price, you’ll still have many, many others that may fare better. For instance, the stock market might fall, but the price of real estate or gold might soar at the same time. This helps to keep the value of your portfolio more stable.

Focus on the long term

All kinds of hiccups could hit your investments over the long term. There are stock market crashes periodically, and real estate prices drop from time to time—but historically, all prices tend to recover over the long run. Even the Great Depression of 1929 and the Financial Crisis of 2007/8 didn’t last forever.

A popular saying is that “you haven’t lost money until you sell”—meaning that if you see your investment dropping in value, you shouldn’t panic and sell it. Instead, hold out for the long run if you can.

Therefore, if you expect to need your money over the short term, it’s best to stick to less risky choices such as high-yield savings accounts; otherwise, you could violate this rule.

Where to invest in 2022

Now, we can get onto the juicy question: What is the best place to invest money right now? The answer will vary somewhat depending on your needs, and as we’ve said, diversification is key. But the good news is that you can start investing well even with just $1,000—we all have to start somewhere, and there’s no time like the present.

From the least risky to the riskiest choices, here are our top recommendations.


Creating a diversified portfolio doesn’t mean that you need to handpick hundreds of different stocks—for most people, that would be daunting and overwhelming. Instead, you can invest in an ETF, which already holds a selection of stocks for you. 

For instance, you could buy an ETF of the S&P 500, which contains the top 500 companies in the US, exposing you to many different industries. As you can see in the graph below, the value of the S&P 500 has increased over time despite some temporary dips. Yet the same thing wouldn’t be true of all 500 companies within its ranks.

Want to know where to invest money to get good returns without taking on too much risk? Diversified ETFs are a good bet.
Want to know where to invest money to get good returns without taking on too much risk? Diversified ETFs are a good bet. (Source: Yahoo Finance)

You can also choose to invest in ETFs with certain themes, such as sustainable investments, which appeals to many. Plus, since investing in ETFs is mainstream, you can invest in them through tax-efficient accounts like 401(k) plans or IRAs to prepare for retirement. 

P2P lending

Although a broad ETF gives you a good dose of diversification, when the stock market goes down, almost all stocks usually go down. So, it’s a good idea to look outside of this—and one way to do that is through peer-to-peer (P2P) lending. This means you’ll be lending funds to your “peers,” which is an alternative to bank lending that offers lower interest rates to borrowers by removing third parties. 

You could be lending your money to a small business owner or simply a consumer, depending on the platform you opt for.

Some P2P platforms are riskier than others, which should be reflected by the returns they offer—as per the rules of investing. For instance, some platforms may require collateral and vet borrowers carefully to minimize your risk, while others lend to borrowers with riskier profiles. Always do your research first.


If you’re prepared to take on some risk, you may want to consider crypto investing. When it comes to where to invest money to get good returns, you’d struggle to find an area with more potential for profitability. After all, coins like ethereum and bitcoin are worth thousands now, despite having values of less than $1 when they were launched.

Crypto might just be the best place to invest your money right now for impressive returns.
Crypto might just be the best place to invest your money right now for impressive returns. (Source: Pixabay)

However, many coins also disappear (just look at LUNA), so you’ll be taking on significant risk here. Many people don’t want to commit their entire portfolio to crypto, and instead see it as a potentially lucrative way to diversify. 

Plus, as well as buying cryptocurrencies to hold them as long-term investments, you may be able to take your investment further with methods such as staking. This is the mechanism cryptocurrency platforms use to verify transactions, and those who are involved in the process receive a portion of the rewards.


Finally, we come to our highest-risk suggestion: Web3. If you’re looking to invest in the Next Big Thing, this should be right up your street. Web3 is set to be the third iteration of the internet (following a “read-only” version with a few standalone websites and the next generation with social media and more interaction), with the standout feature of decentralization. 

This is strongly linked with cryptocurrencies, NFTs, and other decentralized applications that make use of the blockchain.

If you’re interested in investing in Web3, as well as investing in crypto or NFTs themselves, you may be interested in investing in related companies—such as Binance, Coinbase, and even Meta.

Invest in MCT 

If you’re weighing up different investing options, why not take a look at our new native MCT token

It allows you to take advantage of various blockchain-related investments at once. With a single coin, you can stake your cryptocurrencies, try P2P investing, and more. This way, you can experiment with different projects and ways to earn.

Perks include:

  • Up to 18% APR from staking
  • 20% more interest from MyConstant investing products 
  • 20% reduction in borrowing fees on MyConstant 
  • 50% discount on NFT fees through MyConstant 
  • 50% discount on crypto swap fees on MyConstant 

It’s now available on PancakeSwap for US users, and everyone else can access it directly through MyConstant

Sound good? Sign up today to start benefiting. 

Share this article

George Schooling

George Schooling

Grow your idle savings by lending p2p with us. Join us for up to 18% APR on your first $1000

Tags: best place to invest money right now where to invest money to get good returns

5 1 vote
Article Rating
Inline Feedbacks
View all comments