Where to Invest 100K to Make 1M+? ✅ Fast ✅ Low Risk

How would you spend your first $100K?

If you’ve ever thought about that, you’re already making the wrong question. There’s no right way to spend money because you lose it forever.

Spend $1 or spend $70,000. It doesn’t matter. You can only get limited value from your purchases.

That’s why the headline is “Where to invest $100K?” Where can you put these funds to make even more money?

You see, the saving mentality is about making the money last as long as possible (but you never have over $100K). But money is never stable. If you’re not making more, you’re losing it.

The investor’s mentality is to leverage that money as much as possible. For example, you get $5 back for every dollar spent after six months. And you can do it as many times as you want (almost).

Where To Invest 100K?

But where do we invest? There are so many options that are it’s hard to decide:

Here’s what doesn’t work: trying ten different ventures at $10K each. Sorry, but that doesn’t 10X your returns. It actually lowers them.

Millionaires have multiple streams of income, but they only build one at a time. You can’t invest 20% of your money and attention and expect to beat someone who puts 100%. Business is about attention, not money. You can start at $0, although money can speed things up.

That’s why you should choose one, not many. And because they all work, we need to differentiate them somehow.

Some business models do great for beginners while other entrepreneurs will see them as a waste of time. Others do great for people with $100K+ saved, but those who need capital won’t find them useful.

Here’s what to consider:

#1 Risk and Reward

How many profits can you make, and how likely are you to succeed?

Having more money means that you can afford to make mistakes, which is fine when you’re a beginner (but seriously, what kind of beginner walks with $100K?). So even if you fail, you can make more attempts until you win.

You could, for example, launch products on e-commerce. Let’s say it takes $5000 and 3 months to get started, 35% chance to succeed as a newbie. Let’s say you try four products for a year, and you spend $2,000 a month on living expenses.

If you fail the four, you lose $20,000 and $24,000 (cost of living). But the more you try, the luckier you get. On the fourth or fifth time, you could launch a product and make $10K per month on each.

How long would it take you to wipe out the losses? 5 months of passive income.

Take calculated risks, even if you can’t guarantee success. You will get better as you keep trying, but you’ll never make it if you switch business models after failing once.

#2 Speed

How long do you need to wait to see positive returns?

Living off your money’s interest must be comfortable. But if you only have $100K, that’s not enough to generate big returns. You need a cashflow vehicle to reach a safer mark, like $6M, then you can officially retire.

If you don’t know how to spend $100K and don’t plan to use that money, it’s smart to put it on some low-risk investments. But if you expect to increase your expenses, be open to other models that aren’t that passive.

#3 Work

Investing is attractive because it makes you money while you do nothing. Instead of putting work, you earn it by making the right decisions, which is work in its own way.

In any case, investing in a company is trusting that the team will increase its valuation. That’s usually the CEO’s priority, but that doesn’t mean it will happen. You can still lose money, even on index funds.

Even if you profit, it may take a long time before it’s worth retiring the money.

Why don’t you create your own business instead? You know: real teams, products, branding, and customer bases. This way, you have direct control of the growth, and you can earn much more.

No matter what you sell, being a CEO is a lot of work, whether it’s managing teams or making large-scale decisions. But when you leverage $100K and your time, your $100K could turn into millions in less than three years.

Wouldn’t that be worth the work? It’s also a risk, but a risk that you take. Instead of trusting someone else, you’re responsible for your mistakes AND successes.

#4 Opportunity

With all the current trading hype, everybody is dreaming of 100X profits, whether it’s Tesla, Bitcoin, or gold. They think: “If only I got in earlier, I would be a millionaire already.”

But opportunities are everywhere, and they don’t have to be the most crowded ones. In fact, that popularity decreases your chances to make it.

So how do you find an opportunity for yourself only? There’s no better rule than CENTS:

#5 Money Leverage

Can you accelerate your success with money? Anything that gets you money or time is a good way to invest that $ 100 K:

You have money leverage when your money speeds up the process. For example:

You don’t have money leverage if:

The First Step to Investing $100K

However you choose to spend your money, it certainly won’t happen overnight. You want to give yourself time to think about it. And once you make the decision, you’ll probably save part of this amount.

The question is: how do you manage this money while you don’t use it?

Keep in mind that the financial game isn’t about the money, but YOU. You make that money, whether it’s working on a full-time job or winning a $100K lottery price.

Money itself doesn’t do anything. You have to use it:

Can you skip steps and go straight to the big goals? Yes, but the risk and effort are bigger.

All this means: invest in what matters first and then think of investment opportunities. For example:

If you owe $100K and own $100K, you can pay $50,000 or less right now, as long as you aren’t late with monthly payments.

Next, make sure you manage the money responsibly:

With all that in mind, what do you do with the money?

There are limitless combinations among the five factors: risk-reward, speed, work, opportunity, and money leverage.

How to Turn $100K Into $1M Investing

The “easiest” and fastest way to turn $100K into $1 million is to do it yourself. But we know that most people expect some investment advice, some vehicle that offers 1000% ROI passively in a few years.

YES, it is possible, and it happens often. Almost every week, there’s some new project coming out that 10Xs in value. Even though they generally plummet later, you can time your money and make over a million dollars within a week.

Now, who of you idiots will put $100K in an untested, high-risk stock? Assuming that’s all your savings, you won’t do it. It’s too much risk.

If you want to 10X returns fast the passive way, you MUST involve more risk (and luck).

Is there a way to minimize risk for a high reward? There is! And it’s called DYOR (do your own research):

Got it? When you put more work into research, you get a higher CHANCE (not guaranteed) to get that return. But it requires a lot of accuracy.

Does that sound easier than starting a business? For me, it seems both take a lot of work. None of them is 100% passive (unless you want to try your luck by picking a random stock).

You can trade stocks or crypto if you think that will make you rich. But know that smart investing is just as hard as launching a successful business. The risk-reward is similar, so choose the one you enjoy the most.

How to Turn $100K Into $1M With a Business

Internet businesses work well because of five reasons:

1. Communication. It’s easy to communicate with your audience and find out what they need. People express themselves all the time on social media. There are tons of sophisticated tracking tools as well
2. Technology. Tech entrepreneurs have created new business tools for guys like you and me: Shopify, Salesforce, Slack, SalesFunnels, Swipe. It’s easier than ever to start a business, so you can do it, even if you have no experience
3. Control. No matter where you are, you bring the business with you. You don’t need to be in an office or talk to customers in person. As long as you have a device with an Internet connection, you have full control of your company
4. Automation. Today’s programs do much faster the tedious tasks we did years ago, and they do it flawlessly. They are working 99.9% of the time and have almost no maintenance costs (other than a monthly subscription). And if you can’t automate something, you can hire a freelancer to do it from anywhere in the world
5. Income potential. Online businesses can access BILLIONS of potential customers, which can become habitual clients. If you have a local business, by contrast, you can only market to the people who walk on that street

Internet businesses are super-fast vehicles to 10X your $100K because of scalability. If you have a funnel system that turns $1 into $10 in a few months, you can do it as many times as you want. Spend $100K in your ad campaign, and six months later, you got $1M.

Any business model works as long as it’s on the Internet:

The Bottom Line

There are endless ways to invest $100K. But here are the take-aways: