4 Ways to Invest a Little Cash Without Buying Stocks

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You’ve worked hard to save your money.

Now that you have some extra, you know you should invest it. After all, that’s what the experts tell you. But how?

Sure, you can Google investing tips all day, but, really, you just want someone to tell you what to do… preferably someone who’s not a pricy financial adviser.

Don’t worry. That’s why we’re here. We’ll show you four specific and super simple ways to start investing your money. None of them take more than five minutes to sign up for, and once you’re done you can sit back and — fingers crossed! — watch your money grow.

1. Use This Secret Banking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash.

Yep. A debit card called Aspiration  gives you up to a 10% back every time you swipe, plus they give you up to 100x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. This App Will Give You Gold or Other Precious Metals 

Have you ever wondered where the term “gold standard” came from? 

We use it now to describe the best of something — like how The Penny Hoarder is the gold standard of personal finance websites. But it used to refer to the fact that gold was the official yardstick to measure the value of money. 

And while the U.S. dollar hasn’t been backed by gold in half a century, it’s still a highly sought-after precious metal that people invest in. And you don’t need a giant safe or a high-security account in Switzerland to get in on the action. 

In fact, with an investing app called Stash , you can join what’s normally exclusive to the richest of the rich for as little as $1 — investing in pieces of well-known companies like Amazon, Google and Apple, as well as ETFs made up of precious metals, including gold. They’ll even give you $5 to put toward one of these ETFs just for opening and funding your account. 

The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.

When you use this link to sign up , Stash will give you a $5 sign-up bonus to invest in the precious metal industry  (or whichever investment you want) once you open a Personal Portfolio and deposit $5 into your account.

It takes two minutes to sign up, and it’s totally secure. With Stash, investments are held by their custodian, Apex Clearing Corporation, a member of the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money comes with protection.”

3. Buy an Apartment Building (Even if You Aren’t Rich)

This year has been a rollercoaster. Historically, though, real-estate investing offers the best long-term returns. (Does the name Rockefeller ring a bell?)

That’s why we like investing with pros like DiversyFund . They’ll help you make long-term investments in apartments and office buildings all over the country  — and you don’t have to be a millionaire. You can get started with only $500.

You can see exactly which properties are included in your portfolios — like a 200-unit apartment complex in Killeen, Texas or a 59-unit building in San Diego. And you don’t have to be the landlord — DiversyFund does all the heavy lifting.

Because they know how to ride out the market’s ups and downs, they’ve historically seen annual returns of 17% to 18%, though they can’t make any promises.

As a partial owner, you make money on rent payments and when property values go up. It takes just a few minutes to sign up  and own your first apartment building.

4. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.

An investing app called Robinhood  will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account.

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up  and get your free stock — you may even just get a share of the “next Amazon.”


1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year. Dividends may be subject to additional taxes, and are considered taxable income. Please refer to the IRS for additional information.

2 Offer is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the Bonus, you must complete the following steps: (i) successfully complete the designated registration process of opening an individual taxable brokerage account (“a Personal Portfolio”), (ii) link a funding account (e.g. an external bank account) to your Personal Portfolio, AND (iii) initiate and complete a minimum deposit of at least five dollars ($5.00) into your Personal Portfolio. In the event you only complete the designated registration process to receive the Financial Counseling Service (as defined in your Advisory Agreement) or do not otherwise complete the account opening process for an individual taxable brokerage account (“Personal Portfolio”), you will not be eligible to receive the Bonus.

3To note, SIPC coverage does not insure against the potential loss of market value. Apex Clearing Corporation is a third-party SEC-registered broker-dealer and member FINRA/SIPC

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

The Penny Hoarder is a Paid solicitor of Stash. 

This information is for educational purposes only. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value. All product and company names are trademarks ™ or registered ® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.


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