---
title: '6 Best Investments to Make Money in 2026 (Start Today)'
source: 'https://youtube.com/watch?v=zXac1cPmZ44'
video_id: 'zXac1cPmZ44'
date: 2026-07-22
duration_sec: 926
channel: 'Personal Finance Circle '
---

# 6 Best Investments to Make Money in 2026 (Start Today)

> Source: [6 Best Investments to Make Money in 2026 (Start Today)](https://youtube.com/watch?v=zXac1cPmZ44)

## Summary

This video presents six investment options for building wealth, ranging from low-risk to high-risk, including high-yield savings accounts, stocks and index funds, real estate, mutual funds, business investments, and cryptocurrency. The speaker emphasizes starting with safe investments, diversifying, and conducting thorough research.

### Key Points

- **Introduction to Six Investments** [00:01] — The video covers six investments suitable for different risk tolerances and financial stages, aiming to help viewers build wealth.
- **High-Yield Savings Account** [00:26] — Safest investment, ideal for emergency funds and short-term savings. Offers guaranteed returns with zero risk of capital loss. Interest rates can range from 10% to 30% in today's economy.
- **Stocks and Index Funds** [02:09] — Investing in stocks is a proven long-term wealth builder. Recommends index funds or ETFs for diversification, e.g., S&P 500 index fund containing top 500 US companies. Emphasizes patience and consistent investing.
- **Real Estate Investment** [07:01] — Provides capital appreciation and rental income. Options include buying physical property, REITs (Real Estate Investment Trusts), and fractional real estate investment (starting as low as $10).
- **Mutual Funds** [09:02] — Professionally managed portfolios containing stocks, bonds, and other assets. Types include equity funds (growth), bond funds (income), and balanced funds (mix). Suitable for those preferring professional management.
- **Starting or Investing in a Business** [10:35] — High-risk, high-reward. Starting a business offers control and unlimited income potential. Alternatively, invest as a silent partner or angel investor. Requires due diligence and understanding of the market.
- **Cryptocurrency** [12:58] — High-risk, high-reward due to extreme volatility. Bitcoin is seen as digital gold; Ethereum powers decentralized apps. Diversify across multiple cryptocurrencies and conduct thorough research.

### Conclusion

The video provides a comprehensive overview of six investment types, stressing the importance of starting with safe options, diversifying, and doing research. It encourages viewers to choose investments aligned with their risk tolerance and financial goals.

## Transcript

Finance Circle. In this video, I'll be talking about six of the best investments that can help you build wealth regardless of where you are in your financial journey. I will discuss these various types of investments and
how they can potentially yield substantial returns or profit for you. investment journey or maybe you're looking to diversify your investment portfolio, the investment options I'll be talking about in this video will
offer something for everyone. Whether you're a low-risk investor or a said, let's get straight into the video. So, the first investment I want to talk about will be high-yield savings account. Now, you see, this one is one
the list and it is the safest one I'll be talking about in this video. So, if you're a low-risk investor, then this one is for you. But, regardless of whether you're a low-risk investor or high-risk investor, before diving into
higher-risk investment, it is important to establish a solid foundation with safe investment that will preserve your capital and also make you profit. An smart places where you can put your emergency fund, maybe for short-term
savings, and they also give you good returns. And with high-yield savings account, you get more returns on your money than what you get when you put it in your account in the bank. While the stock market and other investments which
they may offer you higher returns over the long term, high-yield savings account will provide you guaranteed returns with zero risk of losing your capital. And your money remains completely accessible, making this
account perfect for maybe your emergency fund or your short-term savings goals. And in today's economy, many high-yield savings accounts can offer you interest rate between 10% to as high as 30%, which means that your money is actually
working for you rather than losing value to inflation when you leave it in your bank account. So, in summary, high-yield savings accounts serve as a good place to actually start your investment journey and also have your emergency
fund or maybe the cash you want to keep for long term and still earn returns on them. And on this YouTube channel, we have a video on eight high interest savings apps to make money in Nigeria. So, if you need this video, please feel
below. I'll reply to you with a link to the video. So, that's the first investment. Now, for number two, I have stocks and index funds. Now, you see, investing in stocks is a proven way to actually build wealth over time. And if
YouTube channel for a long time, this is something I always say. And investing in invest my money. Now, you see, when you invest your money in the stock market, company, which means that you essentially own a small portion of that
company and you can participate in the growth of that company. And the stock market has historically been one of the best investment for long-term investing. ups and downs in the short term in the stock market, the stock market has
consistently trended in the upward direction over decades, which means that make a lot of money from the stock market. So, if you're looking to make fast money, this one is not for you at all. And for most people, especially
stocks, I would advise that you invest your money in index funds or maybe ETFs. ETFs means exchange-traded funds. And these are easy ways to actually invest in the stock market. So, rather than you trying to pick individual stocks to buy
and invest in, index funds allow you to invest in hundreds or maybe thousands of companies all at once. And out there, we have different index funds. Like, for example, one index funds can contain 100 companies. So, if you're investing in
that index funds, it means that you're investing in the 100 companies that are in that index funds all at once. And this is like a smart way to actually diversify your investment in the stock market. So, for example, if you invest
your money in an index fund that has 100 companies, at least out of all these 100 companies in that index fund, if 20 of them are not doing well, then the remaining 80% should be doing well. I hope you get it. So, that way you are
don't know, we have a lot of popular index funds out there. So, for example, we have one that is called S&P 500 index funds. What this means is that this particular one contains the top 500 US companies out there. So, it means that
when you invest in S&P 500 index fund, you are investing in the top 500 companies in the United States. And for the past 3 years now, this particular index fund has been doing really well. But, let's give an example you still
companies, make sure you choose companies or businesses that you understand, and companies that you believe will grow significantly in the go about it, always do your research before you invest in any stock or in any
index fund. It is very, very important. And please, when you're investing in a stock or maybe in index funds, please don't always expect any returns immediately. Please, focus on investing consistently. And maybe after some
should be able to generate substantial profit or returns for you. Like I said earlier, only people who are patient can make a lot of money from the stock learn more about investing in the stock market and making money from it, we have
that video will be in the description to ask me in the comment section of this video. Now, before I continue with this video, I want to let you know that I have just launched my ebook on the
beginners. Now, this is not like every other ebook you have out there with bunch of loads that you don't learn anything at all. This one is different. learning from this new ebook of mine. Now, the first thing is that you'll be
works. A lot of people are just investing in stock. They don't even know how the stock market works at all. You'll be learning this in this ebook. how to actually analyze a stock before
even know how to analyze stocks at all. You'll be learning this in this ebook. how to build a diversified stock portfolio that will make you consistent income. Number four, you'll also be learning how to invest in dividend
stocks that can be giving you passive income consistently. And number five, you'll also be learning risk management in the stock market, which is very very investing in stocks and losing money. They don't understand risk management in
the stock market. So, you'll be learning this in this ebook, too. And for number invest from the diaspora. So, for those of you that are in the US, the UK, or anywhere outside Nigeria, and also want to invest in the stock market, this
ebook is for you. And lastly, you'll also be learning a realistic road map to building your first 1 million naira portfolio in the stock market, no matter salary or the amount of money you're making every month right now, I stated
or I built a way for you to build your first 1 million naira portfolio in the stock market. So, you can see that you're learning a whole lot from this ebook. Now, if you're getting this ebook right now, you can get this for 50%
right now, you can get it for 50% discount, and it is only for the first 100 people. So, if you want to get it or if you're interested, click on the first link in the description of this video, or you can check the pinned comment of
this video for the link to get the ebook. Thank you, and let's go on with put your money right now will be real estate. Now, you see, real estate investment is another wealth-building strategy that provides both capital
you. Now, there are different ways you can actually invest in real estate depending on your budget and also your level of involvement in the investment. Now, you see, the traditional approach to real estate involves you buying a
property as a long-term investment. So, maybe you buy a property right now, you rent it out, and then you generate monthly income for yourself, or maybe depending on how you put out in the rent. And as you're making money from
that, the property is also appreciating right there. So, real estate can also provide stable returns through rental income because while you are renting the property out, you are also making money as the property is also increasing in
value. So, it is a really good way to create wealth through both cash flow and to go into real estate right now is, let's for example, you don't have the capital to purchase a property, we have something called REIT, r e i t s. REIT
means real estate investment trust. Now, this REIT or this real estate investment to invest in real estate through the stock market. So, what this means is you search for different REITs and you invest in one. So, let's for example,
the REIT that is in charge of the property, not you. And they only give you a percentage of the profit that is made from that property. It is as simple as that. Now, the third option or another option to go into real estate is
called fractional real estate investment. Now, this is where like multiple investors or multiple people pool in money together to purchase money from it. And there are like different platforms right now that can
also help you to facilitate this type of investment, which allows you to get investment, which allows you to get started with as little as $10, $15, $100 into real estate. So, whether you are buying a physical property or you are
investing through REIT, real estate is a good investment to consider adding to your investment portfolio. Now, the fourth investment invest your money in mutual funds. Now, you see, mutual funds are a well-established and effective
strategy for building wealth, especially for those who prefer maybe professional management of their investments. Now, when you invest your money in a mutual fund, you are buying a share of a large portfolio that is managed by
professional fund managers. So, your investments are actually managed by fund managers and not just random people. Now, these portfolios typically contain a variety of different investments. So, for example, a mutual fund can contain
investments in stocks, bonds, and sometimes maybe other assets like real estate and so on. And that is a way to actually diversify your investment, too. So, instead of researching and selecting different investments by yourself, you
can just hand it over to a professional investor who manages the fund over time. of mutual funds depending on your investment goals and also your risk tolerance. We have equity funds, and this one focuses on stocks for growth.
We also have bond funds. This one focuses on income and stability. And we also have balanced funds out there that combines a mix of stocks and bonds that you do your research and choose the right mutual fund for yourself based on
your investment timeline, your risk tolerance, and also your financial mutual funds are really good mainly because you get to make good returns because they are actually managed by professional fund managers. Now, the
fifth way to invest your money is to start a business or actually invest in a business. So, for example, if you have a great business idea, starting your own business could actually be one of the most rewarding investment you'll ever
that starting a business carries significant risk, but the potential can be more than what you make from other investments I have mentioned in this video. And starting a business gives you control over your income
be your own boss and also the satisfaction of building something that you own. Unlike investing in the stock market, where the returns are only limited to the performance of the stock market, a successful business can
actually generate income that far exceeds what you put into that business. And also, in today's digital age, starting a business is something anybody can actually do with the help of the internet. And there are multiple online
businesses that you can start right now, even with little or maybe no capital at of starting your own business, also make sure that you start a business that has high demand and a business that you can actually fund with your money. And as I
said from the capital, too, a really successful business actually means you patient, and you actually need to be dedicated to that business. But let's through the stress of starting your own business, you can also consider
So, this could mean maybe you become a silent partner in that business or maybe through angel investing in startups or maybe you're investing in small business opportunities around you. And all you have to do is to basically provide
capital in exchange for equity or maybe profit sharing in the business. It's as before you start investing in a business, whether your own business or someone else's business, please do your due diligence before you put your money
into it. This is very, very important. Understand the market you're going into, evaluate the business model, look at your potential competitors, and also consider the money required to start that business. It is very, very
important because business investment is not for everyone. It is only for those of you that are willing to take on the risk and also put in the work. And to be very honest, investing in your business or starting a business can be the most
lucrative investment on this list. And if you're looking for online business ideas to start, we also have a video on this YouTube channel on the 10 start to make money. So, if you need the video again, feel free to ask me in the
comment section. I will reply to you with the link to the video. Now, the sixth investment to put your money into will be cryptocurrency. Now, you see, cryptocurrency represents a high-risk, high-reward investment opportunity, and
that is why I've put it as the last one. It is very, very risky. You see, the volatility in crypto is extreme. You see, prices can go up and down drastically in like short period of time. But this volatility also creates
potential for significant returns for those people that actually understand the crypto market and can invest their money wisely. So, for example, Bitcoin, which is the first known cryptocurrency, has been called digital gold. And this
is because it is increasingly viewed as a store of value or maybe an edge against inflation. I also have Ethereum, which is like the second largest crypto. It powers a platform for so many decentralized applications out there.
cryptocurrencies out there and a lot of people see them as great value of investment for the future. And beyond these two actually, there are thousands each one of these cryptocurrencies out
different technologies, and they have different risk profiles out there. So, investing in crypto, you pick any cryptocurrency to invest in, do your another thing is to always make sure that you diversify your portfolio in the
crypto market. Don't invest all your money in just one coin or just one crypto. You can actually distribute your money into three, five, or 10 if you're looking for cryptocurrencies to invest in, on my personal YouTube
channel, I make videos every month on the top 10 coins to buy every single month. So, if you need coins to buy or you need our suggestions on different in, make sure you go ahead and subscribe to that YouTube channel and expect the
one for next month. And let's say for example, you don't want to make money other ways to make money through crypto, we also have a video on this YouTube channel talking about the five different ways you can make money with crypto.
below or you can just ask for it in the comment section below. So, that is it I'll just talk about the different investments you can put your money into here on the screen is another video you should watch on how to build passive
income for yourself. And right here is another video on how to make money this year in just three simple steps. So, you can go ahead and click on any of these watching this video. I'll see you in the next one. Bye.