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More and more people are turning to invest as a way to make passive income. And these days, it’s easier than ever to invest, too, with a wealth of information online on how to get started. But sometimes, having access to all that information can be daunting, making it difficult for new investors to know where to begin.

In this article, we’re keeping things simple, recommending seven of the best investment options in 2022, including crypto, commodities, and more. Before you go off to invest in Bitcoin or look at the gold price prediction for 2022-2023, read on to see what other options are available to you.

1. Cryptocurrency

Despite recent volatility in the crypto market, digital currency still has a promising future ahead of it. In the past several years, it’s become something of a hot topic, with even some A-list celebrities touting their crypto purchases from their Twitter platforms.

While it’s true that cryptocurrencies have seen a recent decline in price, for some, this comes off the back of all-time high prices. This means that long-term investors in popular cryptocurrencies, like Bitcoin and Ethereum, might still have made a considerable amount of money in spite of this drop in value.

2. Exchange-Traded Funds

Exchange-traded funds (ETFs) are essentially bundles of securities sold together on the stock market. Investing in ETFs is generally seen as less risky by investors since they allow you to diversify your portfolio without spending too much capital.

If you’re new to investing, ETFs are well worth considering for these reasons. Having a diverse portfolio means that if one of your shares performs poorly, you won’t lose as much money as you would if you’d placed all your capital in that one asset.

3. High-Yield Savings Accounts

High-yield savings accounts are one of the most popular investment methods today, especially for people who want quick access to their savings. Online high-yield savings accounts are popular since they offer higher interest rates than traditional accounts. This is primarily because the overhead fees associated with online banking are far lower.

That being said, keep in mind that interest rates are not usually particularly high; low-risk investments often translate to lower rewards than you’d receive from a riskier venture, such as cryptocurrency or stocks. Ultimately whether or not high-yield savings accounts are for you depends on your investment style.

4. Certificate of Deposit

Certificates of deposit (CDs) are savings accounts with a fixed interest rate and set term, usually months or years. Most CDs boast higher interest rates than regular savings accounts.

When you take out a CD, your bank will pay you interest throughout its term. At the end of the term, you will receive the original amount you deposited as well as any interest that has accumulated.

Since they’re not only a well-paying but secure investment option, CDs are very popular. However, they’re not a very wise choice if you suspect you may need access to your money before the completion of your term.

5. Dividend Stocks

If you’re considering investing in the stock market, it’s a good idea to keep an eye out for companies that pay dividends to their shareholders. A dividend is a portion of a firm’s revenue that is paid out to people with shares in their company, usually paid on an annual or quarterly basis.

Dividend stocks are especially advantageous for those who not only would like to make a profit in the long run from market appreciation but who would also like to bring in income now.

6. I-Bonds

Series I savings bonds, also known as I-bonds, are long-term, federally issued investments. I-bonds differ from more traditional savings bonds in that their interest rates are flexible, changing every six months to account for ever-increasing inflation rates. This makes I-bonds one of the best and safest investment methods today.

That being said, I-bonds don’t come without conditions. For one thing, you can’t purchase any more than $10,000 in I-bonds per twelve months. On top of that, you’ll only get to hold onto the interest your bonds generate if you keep them for five years or more.

7. Commodities

Finally, you could consider investing in commodities—raw materials such as oil or gold. Some commodities are less risky investments than others. For example, grains, livestock, and other high-demand products are usually fairly stable investments, whereas gold and oil are famously volatile.

If you would like to invest in commodities, make sure that you do just as much investment as you would if you were looking into stocks.


This article has covered seven of the most popular investments for 2022. Ultimately, what you choose to put your money into is up to you and your preferred investment style. That said, we hope this has given you a place to start.