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In times of economic uncertainty, making money profitable without exposing oneself to great risks has become a priority for many savers and investors. It is no longer just a matter of saving, but of growing capital with a sense of security and realism.
If you are looking for effective and stable options to increase the return on your savings without complications or surprises, here are 10 smart ways to make your money profitable. Accessible strategies, adaptable to different profiles and with controlled risks.
Time deposits
Classics remain a valid option for those who prioritize security. Time deposits allow you to lock up a certain amount of money for a certain period of time, in exchange for a guaranteed interest rate.
- Profitability: moderate (2%–3 % per year approx.)
- Risk: very low
- Liquidity: limited to maturity
2. Interest-bearing accounts
A liquid alternative to deposits. These accounts offer interest on the balance you keep, without the need to tie up your money.
- Profitability: low, but constant
- Risk: low
- Ideal for: emergency funds or temporarily idle capital
3. Short-term government bonds
Investing in government bonds remains a conservative and effective option. Treasury bills or short-term bonds offer returns with institutional backing.
- Terms from 3 months to 2 years
- Yield: 3%–4 % annual, according to market
- Risk: low (depending on the issuer)
4. Fixed income investment funds
Fixed income funds invest in bonds and similar assets, diversifying risk among different issuers. Short-, medium- and long-term options are available.
- Profitability: moderate
- Risk: low to medium (depending on duration and type of asset)
- Ideal for conservative profiles with a little more ambition
5. Short-term real estate crowdfunding
A growing trend: investing collectively in real estate projects with estimated returns in less than two years. Some projects offer estimated returns of 7%–10 % per year.
- Profitability: high in relation to risk
- Risk: controlled if the platform analyzes projects rigorously.
- Term: from 6 to 24 months
- Read more about how to make this type of investment profitable in times of instability.
6. Stable stock dividends
Investing in stocks of consolidated companies that pay dividends can be a way to obtain passive income without depending on the share price.
- Profitability: variable, but constant in strong companies
- Risk: medium (moderate stock market risk)
- Tip: diversify among several sectors
7. Systematic savings plans
Some banks and insurance companies offer plans that combine savings and investment with automatic monthly contributions, and guarantee a minimum return.
- Profitability: low to moderate
- Risk: very low
- Ideal for those who prefer a passive and disciplined strategy
8. Reinvestment of profits
A strategy that does not involve new products, but rather optimizing what you already have: reinvesting the returns obtained (interest, dividends, capital gains) to generate a compounding effect.
- Profitability: increasing over time
- Risk: depends on the original asset
- Requires perseverance and a medium- to long-term vision.
9. Rental of underutilized assets
Do you have an empty parking space, a spare room, a car you rarely use? Digital platforms allow you to rent out personal assets and generate income with no initial investment.
- Profitability: variable
- Risk: low if the platform and contract are well chosen
- Ideal to monetize resources you already have
10. Personal finance training
Although it may not seem like it, investing in your financial education is one of the most profitable decisions. The more you know, the better decisions you make with your money.
- Profitability: incalculable
- Risk: nil
- Recommendation: start by reading about economic profitability, investment types and diversification strategies.
Conclusion
You don’t need to take big risks to make your money grow. There are multiple ways to monetize your savings in a safe and sustainable way. The key is to choose strategies aligned with your objectives, your time horizon and your risk profile.
Remember: profitability without total risk does not exist, but you can minimize it by being informed, diversifying and being consistent with your decisions.
The first step? Identify what resources you have and how much you are willing to mobilize. Then, explore the options that best suit you. Because even in uncertain contexts, well-managed money always finds ways to grow.
