invest without the stock marketInvesting in the stock market for the long term is a great way to grow your money and prepare for retirement. However, the stock market volatility in recent years has led many would-be investors standing on the sidelines.

Do you want to invest but hate the idea of putting money in the stock market? If so here are four alternative ways to invest your money.

Peer to Peer Lending

Peer to peer lending has grown in popularity over the past several years. Instead of putting money into companies, like you would with the stock market, you can instead invest money into individuals.

When you sign up with a peer to peer lending company you have the opportunity to choose who you want to lend money to based on the individuals’ profile. The borrowers are rated based on their credit and income. You can invest into high risk accounts and have the potential to earn higher interest or you can invest into lower risk individuals for a lower return.

The best part is that you can invest small amounts of money into several different borrowers to diversify your investment.

Spread Betting

Spread betting is a way of trading against several different financial products like commodities, indices, and shares, just to name a few.

It works like this: you can wager for or against a specific outcome of a financial product within a certain amount of time.

For instance let’s say you want to wager against a share. You’ll choose an available share and wager against whether or not that share will go up or down in a certain amount of time. If your wager is correct you’ll see a return.


CDs, or certificates of deposits, are financial products offered by financial institutions.

Here’s how they work: you put a set amount of money into a CD (there’s normally a minimum) and you’ll receive a set interest rate on the money left in the CD. CDs are set for specific terms (six months, one year, five years etc.) and if you decide to withdraw the money you put in before the maturity date you might get charged a fee and even possibly forfeit the interest earned.

CD’s are safe investments and therefore come with a low rate of return.

In Your Own Business

One of my favorite ways to invest money is into businesses.

If you already have a business or side hustle that you’re working on are thinking of starting one, putting money toward your entrepreneurial venture could be the way to go.

Depending on what type of business you have you could see far greater returns on your money than you would with the stock market.


Even if you don’t like the idea of investing in the stock market there are still plenty of ways to make your money grow. Do some research and pick an investment that suits your personality and risk tolerance.

About Robert Farrington

Robert Farrington has written 77 articles on this site..

Robert Farrington is the founder and editor of The College Investor, a personal finance site dedicated to young adult and college student finances.

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