5 Investment Decisions Millennials Won’t Regret


The term “millennials” is anything but a buzzword. Millennials represent a large demographic that is fortunate to have better opportunities in life compared with the generations before them. This edge comes from the fact that millennials grew up in a technological, socially connected, and inclusive world.

These privileges also afford millennials good financial prospects, especially in their investment options. Unfortunately, despite knowing the importance of financial stability, millennials do not consider the investment a priority. In the age of YOLO and FOMO, millennials prefer spending their money on life experiences rather than preparing for the future.

But, don’t worry. Here are investment hacks for millennials that can get you started on your financial journey.

#1 Pursue further education

They say that a diploma is your ticket to success. When you have a degree tucked under your belt, your career opportunities are much more secure. However, educating yourself doesn’t need to stop the moment you step out of university.

Instead, you need to continuously update your knowledge and skills based on current demands and trends. Do as much self-study as you can. Enrol in an online course. Attend graduate school. Get certified in your industry. These steps can add to your competitiveness and competence as a professional.

As you continue building on your career, better income opportunities would be available to you, eventually opening up the path toward your financial growth.

#2 Set up an online business

Nowadays, a popular way of earning extra money is through e-commerce or online business, which could be something worth exploring yourself. If you have special interests or hobbies, you could turn them into a business opportunity quite easily by creating a web page on social media or other online channels.

With consumers becoming more and more digitally oriented, an online business can be a profitable channel that could ensure a steady stream of income for you. It’s up to you if you will concentrate on putting up your e-commerce shop or if you will do it on the side to augment your income from your full-time office job.

#3 Get into the real estate space

When it comes to investing, no age is too early, and no goal is too ambitious. Ideally, you should start investing as soon as you’re regularly earning from your career or your business. Once you have the means, you can upgrade your investment and diversify your portfolio. So, it’s not uncommon to see millennials and their real estate investments become successful.

In real estate, becoming an investor is possible whether your funds are small or large. You could buy property in its pre-selling stage, or you could purchase a foreclosed property by pooling funds from your own pocket and reputable lending institutions. You could use the property as your own living space, or you could rent it out to give you passive income later on.

#4 Participate in peer-to-peer lending.

Lending might have some negative connotations, but it’s a different case for peer-to-peer (P2P) lending.

With P2P, you’ll be making your money available to borrowers, such as startup entrepreneurs, via a legitimate lending platform. In return, borrowers will pay the principal amount that you loaned to them within an agreed repayment period. By becoming a P2P investor, you could gain an estimated average return of 24%.

Any investment guide will tell you that all types of investment come with risks. In the case of P2P lending, conducting transactions on the dedicated platform provides a way to protect the funds that you would invest in the marketplace.

#5 Put your money in intangible assets.

Intangible assets pertain to possessions that you don’t see in their physical form, unlike tangible assets such as a house, a car, jewelry, and the like. Nevertheless, they are equally valuable and lucrative as investment products, especially because they have the potential to grow your money through compounding interest.

The following lists some of the many types of intangible assets you could invest in:

  • Savings Account – A savings account is one of the easiest ways to achieve your personal finance goals since you’re able to keep track of how much you’re saving.
  • Certificate of Deposit (COD) – A COD is similar to a savings account, but it has higher interest rates since the idea is to lock up your money in your bank account for a specifiedcertain
  • Unit Investment Trust Fund (UITF) – In UITF, your money goes to a pooled investment fund that is managed by a commercial bank, which decides where to invest your money.
  • Stocks – You could also buy stocks to own shares in a company, from which you can collect profit.
  • Variable Universal Life (VUL) Insurance – A VUL is a life insurance with an investment component tied to it, so you get benefits from your insurance and at the same time earn profit from your monthly payments.
  • Bonds – Investing in bonds means you’re lending your money to governments and corporations for interest rates that are higher than that of your savings account.


Final Words

Investing is a major life decision that you could embark on. The earlier you grab the opportunity, the better it is for your future. When done with caution, investment can help you become the financially wise millennial of your generation.

Oscar is known to be a man of few words. But when it comes to SMS Marketing, he'll talk about it all day and night. With his undying passion and dedication, he aims to bring Semaphore to bigger industries and larger platforms.