How To Invest 20k In 2022: Best Investments Ever?

By: Brittney

The more money you have, the more investment possibilities you have. If you invest $20,000, you will have many
how to invest 20k
This How To Invest 20k In 2022 review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.

NOTE: I DO NOT WORK WITH​ How To Invest 20k In 2022

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

I have absolutely no relationship with How To Invest 20k In 2022, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

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How To Invest 20k In 2021: Best Investments Ever?

The more money you have, the more investment possibilities you have. If you invest $20,000, you will have many more options than starting with just a few bucks.

Although investments requiring $1,000 or even $10,000 to begin investing may be superior to those with lower entry requirements, this is not always the case. If you’re unsure how to invest $20K, consider these choices.

Got $20,000 to play with to launch your own business?

Or perhaps you’re seeking for a loan to start a business that will allow you to escape your 9-5…

Today, we’ll discuss five distinct business models. My goal is to address all major concerns about these models and demonstrate how to profit from them.

However, to save you time, let me state right now that four of these are not the quickest nor the surest way to wealth creation.

If you’re serious about building a passive income online, this is a much better all-around business model.

How To Invest 20k In 2021

What’s the best way to invest 20K?

The optimal strategy to invest $20,000 is determined by your investment objectives and current financial status. Among the possibilities are the following:

Investing in a high-yield savings account can grow your emergency fund.

If you haven’t established an emergency fund, this could also be a prudent use of some of your $20K. An emergency fund might provide you with peace of mind if you cannot work or lose your job.

Investing in one of the finest savings accounts allows you to maintain an emergency fund while collecting interest on your money. Savings accounts with a high yield earn interest at a higher rate than ordinary savings accounts. For instance, the average annual percentage yield (APY) on a standard savings account is.04 percent (as of March 17, 2021), but certain high-yield savings accounts may pay up to.57 percent (as of March 17. 2021).

how to invest 20000 dollars

Often, internet banks offer the best bank accounts because they do not have the overhead costs associated with operating an extensive network of bank branches. Due to their lower operating costs, they can offer better interest rates than traditional brick-and-mortar banks.

Increasing the size of your retirement account

Individuals who have previously established an emergency fund and control their high-interest debt may wish to consider investing $20K in a retirement account. Investing in a retirement account may provide you with tax advantages now and in the future.

It may also allow your money to grow over time if you do not require it until you reach old age. Keep in mind that all investments or investment advice include some risk of loss and that previous performance does not indicate future success.

Saving funds for an extended period of time could result in tremendous growth due to compounding returns. For example, if you invest $20,000 as a 30-year-old and earn an annual rate of return of 8%, your money will grow to $325,850 by the time you reach 65.

best way to invest 20k

You can put $20,000 in a retirement account in various ways, but you must be mindful of annual contribution limits. You are unlikely to be able to invest the entire $20,000 in one go.

You can begin saving for retirement by contributing a portion of your income to a company retirement plan. Particular employers will match your retirement contributions up to a certain percentage, such as 3%.

If you haven’t taken advantage of this employment perk already, you may be missing out on free money.

A 401(k) plan is a sought-after type of workplace retirement program (k). These plans have one of the highest contribution limits available. In 2021, individuals under the age of 50 can donate up to $19,500 per year.

Individuals over 50 can contribute up to $26,000 each year, courtesy of the IRS’s additional catch-up contributions.

However, you may be unable to participate in an employment retirement plan. In this instance, you may wish to open additional retirement accounts. An individual retirement account is a popular choice.

These accounts will allow you to contribute up to $6,000 if you are under 50 and $7,000 if you are 50 or older in 2021. While regular IRAs do not have income restrictions, your contributions may be limited based on your income if you choose to form a Roth IRA.

Getting rid of debt

According to the Federal Reserve, the average interest-bearing credit card account in November 2020 carried a 16.28 percent rate. Individuals with credit card debt could quickly gain by utilizing $20,000 to pay off their obligation.

Paying down your credit card balance eliminates the high cost of interest. It may even be possible to cancel the monthly payments entirely if you pay off the card in full. Then, instead of paying excessive interest charges, you can use your freshly freed-up cash flow to begin investing monthly.

where to invest 20k

Investing through a traditional brokerage firm

If you desire greater control over your assets than a Robo advisor provides, you may wish to open one of the finest brokerage accounts. Most brokerage firms, including Vanguard, well-known for its low-fee investment alternatives, offer these accounts.

A taxable brokerage account permits you to invest in any product or service provided by the brokerage firm. Frequently, investment alternatives include equities, mutual funds, index funds, exchange-traded funds, certificates of deposit, and bonds. You decide what and when to purchase and sell.

Annual contribution restrictions usually do not apply to tax-deferred brokerage accounts. They also do not provide as many tax advantages as retirement funds.

With a taxable brokerage account, you must pay taxes on dividends and earnings, not tax-deferred. You also do not receive a tax benefit for contributing to them, nor do you receive tax-free income after retirement.

Despite the lack of tax benefits, if you’re looking to invest money for short-term goals, a taxable account may be a viable option. Bear in mind that all investing carries a risk of loss.

Additionally, if you want someone to manage your investments for you, you can open an investing account with a financial institution advisor.

Numerous brokerage businesses also provide professionally managed investment accounts. Generally, these alternatives come with a cost.

Investing in residential real estate

It may appear challenging to invest $20,000 in real estate. A widespread fallacy is that the only option to invest in real estate is to purchase property; however, this is not true.

You can invest in real estate in various ways, including through REITs (real estate investment trusts). REITs own real estate through a business in which you can invest.

In this manner, you can share in any gains generated by the REIT’s real estate holdings. However, depending on how the REIT performs, you could also lose money.

Numerous real estate crowdfunding platforms also enable investors to begin investing in real estate without purchasing an entire property. However, some of these platforms accept only accredited investors.

You must have a high net worth or income to qualify as an accredited investor.

Other crowdfunding platforms, such as Fundrise, enable nearly anybody to participate in real estate investment trusts. Fundrise’s entry-level offering demands a minimum initial commitment of only $10.

Although this fund reinvests dividends, it is not traded on the stock market. Rather than that, you may be allowed to sell back shares to Fundrise just every quarter. This might be a drawback based on the circumstances, as you cannot sell your shares at any time.

Nonetheless, it’s a way to invest in real estate without necessarily owning an exclusive property.

Consider peer to peer lending

Peer-to-peer lending enables you to lend money directly to others seeking credit, and it could be an excellent method to invest some of your $20K. Websites like Prosper Marketplace facilitate this process by connecting borrowers with lenders.

Peer-to-peer lending may be a wise investment if you’re seeking a novel strategy to diversify an existing portfolio. It does provide distinct risks that must be factored into your investment strategy.

Should you put $20K in savings?

Financial gurus frequently advocate setting aside three to six months’ worth of spending in an emergency fund. If you haven’t begun or completed the process of building an emergency fund yet, $20,000 could help you get started. If adding $20,000 to your emergency fund will result in you exceeding your target, you may save enough money to cover the difference and use the remainder for another purpose.

Can you get started in real estate with $20K?

In some parts of the country, $20,000 may be sufficient to begin investing in rental properties. Even if it isn’t, there are still other ways to start investing in real estate. Investing in REITs through real estate crowdfunding platforms such as DiversyFund may enable you to get started for significantly less than $20,000.

How to invest $20K

Individuals may invest $20,000 in a variety of ways, depending on their circumstances.


where to invest 20k usd

Are we kidding ourselves?

You’re considering it…

We’re considering it…

To be perfectly candid, prior to the 2020 COVID disaster, we would have said 100% yes.

However, there have been far too many instances of the market going awry for ANY newbie to navigate successfully.

Rent moratoriums, for example.

Plus, why would it make sense to invest $20,000 on four homes (if you’re lucky) that do not immediately rent to a paying tenant?

Precisely, IT DOES NOT.

However, let us suppose that by some miraculous intervention, you can secure paying tenants…

After all property management charges are deducted from the monthly payment, you’re likely to retain only approximately $250-$500.

Thus, in the BEST CASE SCENARIO, you’d be able to earn $1,000 – $2,000 every month.

However, the chances of anything running so smoothly are SMALL TO NONE at the moment.

There are too many complications associated with real estate in today’s market:

  •     Rent Moratoriums
  •     Repairs
  •     Bad Tenants
  •     HOA Fees

I could continue…however, I’m guessing you get the picture.

But if you’re interested in the real estate model AND really want passive income with less of a headache, this business model is literally perfect for you!


best way to invest 20k usd

You’re probably thinking to yourself, “DAMN, I thought affiliate marketing was free?!?!?”


Yes, it is frequently the case.

However, you will not earn significant income by just plastering your affiliate link across Facebook and other random blog comment areas…

And you’re looking to make SERIOUS MONEY, aren’t you?

The giant elephant in the room that no one likes to discuss is that affiliate marketer who makes SERIOUS MONEY have massive blogs.

Because, at its core, affiliate marketing is about two things:

How many people notice your link AND the quality of those who do.

Genuine affiliate marketers understand this, which is why they have massive affiliate blogs that generate $20,000+ a month in revenue from their sheer traffic.

Thus, how much money is required to build one of these things?

We’re talking about a bare minimum of $20,000 in advance.


You’ll need to invest extensively in SEO and content writers to maintain a consistent presence on the first page of Google.

And it’s not simply a financial investment…also, it’s a time investment.

A site devoted to affiliate marketing is not going to be a cash cow straight out of the gate…

Typically, it takes six months to see any significant return.

But what if you could rank one site and it not require you to spend $20,000?

This business model focuses on setting up smaller websites with basic SEO while being able to produce meaningful traffic in less than half the time!


how to invest 20000 us dollars

This business model, along with real estate, is the most likely to have high upfront costs.

Almost everyone now understands that you cannot launch a successful eCommerce business with zero funds and personal finance, as you could in 2005.

To have even a distant possibility of success, you must invest at least $10,000.

eCommerce is a lengthy endeavor. It typically takes 90 days to launch a product.

That period is now significantly longer due to the events of 2020.

Additionally, Chinese wholesalers (often your suppliers) are now entering the eCommerce industry to expand their businesses.

It is unnecessary to be a rocket scientist to notice the writing on the wall in that situation.

Even if you follow an e-commerce course’s instructions to the letter…

Your Chinese suppliers may still undercut you.

Speaking about eCommerce classes, after you enroll and begin receiving one-on-one coaching…

You’ll notice that every coach will say the same thing.

Only one out of every ten things you attempt to sell will be a success.

However, let us be honest: who among us can afford to trial with ten different products?


$20,000 is only going to support the launch of one product…

That seems like a lot to roll the dice on.

Additionally, you may have noticed that a slew of e-commerce course advertisements has begun disappearing from YouTube recently.

How could that be…?

If you have $20,000 though and really want to put it in the right place…you might want to consider this business model.

It costs less than a 1/10 of what eCommerce does to launch, and the profit margins are five to tenfold larger!


how to invest 20k usd

You may or may not have count social media marketing previously…

Social media is an excellent platform for local businesses to reach out to their customers.

You can also earn a respectable living without incurring significant upfront costs.

After you’ve learned from the appropriate folks and are prepared to go out and find your clientele…

We’re talking about spending $500 to $1,000 of your own money to demonstrate that your tactics work for a corporation.

Following that, it’s not uncommon for social media marketing businesses to charge $500-$1000 in addition to the ad spend a company provides for profit (i.e., $500 ad spend + $500 for management).

That sounds fantastic, doesn’t it?

We cannot lie; it does seem fantastic, however…

The social media platforms (Facebook, Instagram, and Twitter) are becoming increasingly rigorous about advertising.

Take our word for it…

Investigate for yourself…

These companies are constantly revising their terms of service and other advertising-related policies.

With something like that, it’s challenging to avoid your account being suspended.

AND it’s not as if Facebook support is quick to assist you or provide an explanation.

If your account is stopped and your client is no longer able to view the findings you provide…

The likelihood is that they will not be a paying client for much longer…


Do you appreciate the thought of having merely a couple hundred to a thousand dollars to invest in something that will immediately pay for itself?

You should check out the best business to start with UNDER 20K!

What to consider when you’re investing $20K

Before investing your money, it’s critical to consider a few factors to ensure you get the most out of it.

Your most important financial goals

Reflecting on your financial objectives should assist you in determining the best use of your funds. For instance, if you want a secure financial foundation for your family, you may prioritize paying off credit card debt and developing an emergency fund.

Such who have already reached those objectives may wish to begin investing for retirement.

When you might need your money

Before deciding how to invest your money, it’s critical to evaluate when you’ll need it. In general, if you require the money in a short amount of time, it may be prudent to hold it in more conservative investments.

This may assist in limiting potential losses. If your investment horizon spans decades, you may be able to take more risks, as you will have more time for recovery from market downturns.

Your risk tolerance

Your risk tolerance can affect the investments that are suitable for you. Investors who can stomach significant market swings can often invest more aggressively to gain possibly higher long-term profits.

However, investing aggressively could result in higher losses as well.

However, investors who dislike watching their portfolio balances decline may opt for a more conservative approach. Investing in accordance with your risk tolerance can assist you in maintaining a portfolio that is appropriate for your circumstances.

Fees, minimum investments, etc.

Each type of investment has its set of fees, minimum investment requirements, and other characteristics that you should evaluate carefully before investing.

For example, more sophisticated investment types managed on your behalf by financial advisor frequently carry higher costs than those offered by a Robo advisor.

In-person financial advisors frequently have high minimum investment requirements and charge a 1% annual asset management fee.

Robo advisor frequently have low beginning commitment requirements, if any at all. Additionally, their management fees are often lower.

The Bottom Line

invest 20k

The most prudent strategy to invest $20K is likely to vary according to your present life and financial condition.

It may be sensitive to establish a solid foundation before dabbling with more exotic financial possibilities. One person may benefit most from paying off credit card debt, while another may benefit from diversifying their portfolio with peer-to-peer loans.

Whatever you do, avoid becoming paralyzed by your alternatives. The trick is to put your $20,000 to work for you.

If you’re unable to choose just one, consider dividing your money among several. Then you can change your investments in the future and increase your exposure to the ones with which you are most comfortable.

What Is My Top Recommendation For Making Money Online In 2021?

invest 20k usd

Our review team has come across a program in the real estate industry that is next level!

Although it’s not real estate in the traditional sense, it’s all digital.

Yup, Digital Real Estate!

Where all these other models fall short is in scalability. 

You can’t realistically expect to be able to work all hours of the day at these different models, you’d run out of time.

But what if you leverage it?

With this digital real estate program, you will be getting clicks from multiple sites at every minute of the day and never have to pick up a phone once!

Sound too good to be true?

Of course it does!

But it isn’t…in fact, business owners wish they had this skill!

All you have to do is build and rank a website and forward the jobs off to a business owner in town, you could even email it to them!

This works for literally any service based business, tree service, plumbing, towing, etc. 

How do you get paid and how much?

Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other.

A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario.

Let’s say you build and rank the site and only 10 jobs a month come in. The average tree service job is anywhere from $500-$2000!

That means at bare minimum you have an asset worth $500 a month!

See why they call it digital real estate now? That’s a rent payment. 

The great thing is how easy it is to scale. You don’t have to answer the phone…all you have to do is get the phone to ring.

Remember all these other business models making small amounts of money in the margins?

This one actually allows you to collect big sums without being on the internet all day. Truly passive income!

The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen.

You will learn the importance of keywords, website name, how to send call notifications via email, backlinking, etc.

Once the training program is completed you will also have access to a Facebook group much better than any of the groups you’ll find for other models in our opinion. This group is much more active.

Unlike these other business models, where you’re just a slave to time…these websites turn into your employees and they work 24/7. A business will always want more leads and another job. In fact it doesn’t even matter that the job isn’t coming from their website name…they see it as it is…expanding digital real estate.

Unlike these other business models, more people have been able to walk away from their 9-5 job as well. 

Digital real estate allows you to have total passive income with most of your day being spent OFF the internet.

Now, I know you probably have tons of questions… So, check this out to learn more. 

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Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!