How to Invest $80k: 17 Best Ways to Use $80,000 in Cash

Welcome! If you’re here, it means you’re ready to learn the best ways to invest $80,000 and secure your financial future. Whether you’ve diligently saved this sum or dream of winning the lottery, it’s crucial to invest wisely to ensure long-term financial security. In this article, we’ll explore 17 fantastic investment options to maximize the potential of your $80,000. So let’s dive in!

Pay off your debt

Believe it or not, paying off your debt is the smartest investment you can make with your $80,000. The interest on your debt accumulates over time, making it a financial burden. Prioritize paying off your debt, especially high-interest consumer debt like credit cards. By doing so, you’ll save more money in the long run.

Portfolio management

As a high-net-worth individual with $80,000 in liquid cash, you can benefit from a personal touch in your investment journey. Consider investing with Empower, a platform that offers a free planning tool to assess your financial accounts, calculate your net worth, and help you maximize returns. Alternatively, you can opt for their asset management service, which optimizes your tax burden and ensures true diversification.

Real estate

Investing in real estate has proven to be a reliable and lucrative investment strategy. You can explore various options, such as making down payments for rental properties or renting a property through platforms like Arrived. Additionally, investing in raw lands with FarmTogether can be profitable due to the scarcity of land, making it an excellent asset for building wealth.

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Index funds

Investing in index funds is a low-risk way to enter the stock market. These funds diversify your investment across the largest companies, reducing the risk while enjoying the benefits of market returns. Consider investing in reputable index funds like Fidelity ZERO Large Cap Index (FNILX) or Vanguard S&P 500 ETF (VOO).

Mutual funds

Mutual funds are an attractive investment option because they offer diversification, convenience, and lower costs. These investment vehicles hold portfolios of stocks, bonds, or other securities, managed by experts who aim to outperform the market. Consider investing in top-rated mutual funds like Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) or Fidelity 500 Index Fund (FXAIX).

Max out your retirement accounts

Investing in your retirement accounts is a wise decision to secure your financial future. Maximize your contributions to your employer’s 401(k) plan if they match your contributions. Alternatively, open a Roth IRA or traditional IRA and contribute the maximum amount allowed. These accounts commonly invest in low-risk options like index funds and ETFs.

Start a business

If you have a promising business venture in mind, investing your $80,000 in it can yield long-term profitability. Conduct thorough research, seek expert advice, and develop a solid business plan before taking the leap. Starting a business doesn’t always require a huge initial investment, and there are even options to launch with no money or using personal loans.

Invest in art

Art investment has shown impressive returns over the years. Consider investing in blue-chip artworks through platforms like Masterworks, which allow you to buy shares of masterpieces by renowned artists. This opens up art investments to everyone, giving you access to a previously exclusive market.

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Invest using a roboadvisor

Roboadvisors simplify the investment process by providing automated, algorithm-based advice. Acorns is an excellent example. By analyzing your data and preferences, Acorns determines the best investment strategy for you. Roboadvisors offer a smart and low-risk way to invest your money while enjoying potential market returns.

Invest in yourself

Investing in yourself is one of the best investments you can make. Explore opportunities to nurture your talents, learn new skills, or start a side hustle. By prioritizing self-improvement, you enhance your productivity and open doors to new income streams.


Annuities provide a way to supplement your income during retirement. They offer regular payments, tax benefits, and potential death benefits. Annuities are a safe investment option that guarantees returns and protects your capital.

Donate to charity

Making an impact through charitable giving is not only fulfilling but also an excellent investment. Charitable contributions often come with tax deductions, allowing you to support causes you care about while reducing your tax burden.

Invest in an emergency fund

Setting up or funding an emergency fund is a wise decision. It acts as a safety net during unexpected circumstances, ensuring your financial stability. Prioritize having three to six months’ worth of living expenses set aside in an easily accessible emergency fund.

Treasury bonds

Treasury bonds offer safety and a fixed rate of interest, making them a great low-risk investment option. They come in various forms, such as Treasury bills, notes, and bonds, each with different maturity periods. Treasury bonds provide stable returns and can help balance the volatility of the stock market.

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Peer-to-peer lending

Peer-to-peer lending allows you to directly impact the lives of people in need while earning interest. Platforms like LendingClub connect lenders with borrowers, enabling you to diversify your investments and earn profit through interest payments.

Invest in cryptocurrency

Cryptocurrency has emerged as an exciting and diverse asset class. Diversify your investment portfolio by exploring trusted cryptocurrency apps like TradeStation Crypto. These platforms enable you to buy, sell, and trade cryptocurrencies while providing real-time market data and insights.

High-yield savings account

Consider opening a high-yield savings account to passively accrue interest on your $80,000. CIT Platinum Savings offers competitive interest rates and digital convenience. With an impressive 5.05% APY, you can earn $4,040 annually or $336 in passive income every month.


As you can see, there are numerous ways to invest your $80,000 and secure your financial future. Whether you choose to pay off debt, invest in real estate, diversify with index funds and mutual funds, or explore alternative options like art or cryptocurrency, the key is to invest wisely and align your investment strategy with your risk tolerance and financial goals. Remember, investing in yourself and giving back to others are also valuable investments. The choice is yours, so start your investment journey today and watch your money grow!

For more insights and financial tips, visit Simple Money Tips – Steps To Financial Freedom.