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Another phenomenal decade is upon us and one of the best ways to prepare for it is to be money-wise. It is important to note that building wealth goes beyond just earning money to being able to use capital to make more money. Putting it more succinctly, you need to learn how to be a wise investor.

To help you do this successfully, we’ll share some personal investment strategies that can set you on your way to financial freedom. Let’s get into the meat of the matter without further ado, shall we?

1. Money Market Accounts

One of the benefits of money market accounts is the fact that it provides fairly stable interest rates with minimal overall risk. This is a very good way to build up an emergency fund. However, there are withdrawal restrictions as well as the risk of inflation which could diminish your purchasing power. This typically happens when the inflation rate is higher than the interest rate.

2. Treasury Bills

One of the safest investments you can make is treasury bills because they are federal government-backed. The catch here is that while you buy the bills at a discounted rate, you get paid the face value at maturity. Speaking of benefits, they are short-tenured and are safe from principal loss. However, just as with other money market instruments, the major risk is inflation.

3. Real Estate Investment Trusts (REITs)

Given the fact that the value of land and property continues to appreciate, real estate is a very good personal investment strategy to consider. Investing in a publicly-traded REIT allows you to own properties in different locations with little capital. You can also go into rental housing if you prefer to manage properties yourself.

4. Government Bonds

These instruments are very reliable low-risk investments. As an investor, your principal is paid back upon maturity and interest rates are paid either quarterly or bi-annually. It is also worthy of note that these instruments are typically long-term in nature and are more suited to investors with a long-term orientation.

5. Uber / Taxify / O Pay Business

With the steady rise in the population of countries around the world, people will always need to move around conveniently. This provides a huge and ever-growing market of investment opportunities worth tapping into. Fortunately, you can get your return on investment within a short period when you partner with popular taxis like Uber, Taxify or OPay. One must however do proper due diligence and educate oneself about the risks and intricacies of the business before venturing into it.


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