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21 smartest ways to invest your money right now

GOBankingRates Logo By John Csiszar of GOBankingRates | Slide 1 of 22: The carnage in the stock market caused by the COVID-19 outbreak has been swift and merciless. The all-time high in the Dow Jones Industrial Average on Feb. 12, 2020, seems like a distant memory as the index has suffered through its fastest drop into a bear market since 1931. The question on every investor’s mind at this point is, what’s a smart investment to choose now? The most conservative investments offer the lowest returns but protect your initial investment. As you move up the risk ladder you take on greater price volatility in exchange for potentially higher long-term returns. Cash investments are the least risky, followed by bonds and stocks. Here’s a look at 21 common investments and whether they can be considered safe or risky in the current market environment. No investment is entirely without risk, but some carry more risk than others. Individual investors should match their own personal investment objectives and risk tolerance against the risk and reward characteristics of each of these investments to make a smart decision. What may be a smart investment for one investor may not make sense for another. Last updated: March 24, 2020

Find out how coronavirus might affect these investments

The carnage in the stock market caused by the COVID-19 outbreak has been swift and merciless. The all-time high in the Dow Jones Industrial Average on Feb. 12, 2020, seems like a distant memory as the index has suffered through its fastest drop into a bear market since 1931. The question on every investor’s mind at this point is, what’s a smart investment to choose now?

The most conservative investments offer the lowest returns but protect your initial investment. As you move up the risk ladder you take on greater price volatility in exchange for potentially higher long-term returns. Cash investments are the least risky, followed by bonds and stocks.

Click through the gallery above for a look at 21 common investments and whether they can be considered safe or risky in the current market environment. No investment is entirely without risk, but some carry more risk than others.

Individual investors should match their own personal investment objectives and risk tolerance against the risk and reward characteristics of each of these investments to make a smart decision. What may be a smart investment for one investor may not make sense for another.

Last updated: March 24, 2020

© Geber86 / Getty Images

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