I’m an Investment Guru: Here’s Where You Should Put Your Money for High Returns in the Next 10 Years

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If you are going to take the plunge and start investing, you first need to evaluate whether you have a lower or higher risk tolerance. This can help you figure out your investment options. Though nothing is risk-free, you may want to branch outside of just the standard emergency fund and seek some higher interest rates and returns elsewhere. Investing involves doing your own research. But sometimes heeding the advice of investment gurus can also help point you in the right direction. 

Investment Gurus on Safe Investments: Quick Takes

One of the most famous investment gurus with the best track record is Warren Buffett. He has this to say about investing, “The stock market is a device to transfer money from the impatient to the patient.” If you take to heart his five rules for investing, you will follow these pieces of advice:

  1. Never lose money.
  2. Never invest in businesses you cannot understand.
  3. Our favorite holding period is forever.
  4. Never invest with borrowed money. 
  5. Be fearful when others are greedy.

Where You Should Put Your Money in the Next 10 Years

Whether you are looking into dividend stocks or signing a mortgage for the next 30 years on a real estate investment, there are many options as to where you can put your money. For example, if you are looking outside of what a traditional savings account offers, real estate investment guru, David Greene, has this to say,

While real estate may not be as profitable as it once was, it’s still more profitable than other investment options, making it the top choice for long-term wealth building. If you’re looking for immediate gratification, this isn’t a great choice, but if you’re playing the long game, real estate is still most likely to be your best option.

Investing for Everyone

Best Types of Investments With Higher Returns 

Many financial experts and investment gurus alike agree that, though there are no absolute guarantees when it comes to investing your money, there are safer bets. Here are some lower-risk investments that will produce higher returns for you in the next 10 years:

  • High-yield savings accounts: This type of account is a high-interest account. In general, high-yield savings accounts pay much more than standard savings accounts.
  • Money market accounts: This type of FDIC-insured deposit account pays you higher interest rates than other standard savings accounts.
  • Corporate bonds: By investing in a corporate bond, you essentially are lending money to the company issuing the bond. In return for your investment, the company will pay you interest on your principal balance. 
  • Mutual funds: These funds are when you invest in a company that pools money from many other investors. They will then invest the pooled money in securities such as stocks, bonds or short-term debts.
  • S&P 500 index funds: These funds are shares that the S&P 500 index tracks according to the performance of the 500 largest U.S. public companies by market capitalization.
  • Exchange-traded fund: ETFs are funds that help diversify your portfolio, typically by tracking a specific index and trading on those exchanges. When you invest in an ETF, you get a bundle of assets you can buy and sell during market hours.
  • Real estate: The goal of any real estate investment is to generally buy cheap and sell high to increase your capital. In other words, you increase your cash value or building capital. 
  • Certificate of deposits: A CD is a type of savings account offered by banks or credit unions. You’ll have to keep your money in this account for a specified term length — usually between three months to five years.
    • If you access the money before the account reaches maturity, you could incur early withdrawal fees.
    • If you let the account reach its maturity date, you’ll have a guaranteed rate of return.

Final Take To GO 

The bottom line for investing, no matter your financial goals, is to get the highest returns possible. There are safer or lower-risk investments with guaranteed returns such as CDs or money market accounts. But these may not yield as high of returns as other riskier investments such as stocks or bonds. Ultimately, you can only take the advice of investment gurus so far as you have to make the final decision based on your risk tolerance.


Here are some answers to frequently asked questions about where to put your money in the next 10 years.
  • What is the safest investment with the highest return?
    • Though no investment is guaranteed, some investments statistically earn a higher return such as the following:
      • High-yield savings accounts
      • Certificate of deposits
      • Money market accounts
      • Corporate bonds
      • Mutual funds
      • S&P 500 index funds
      • Exchange-traded funds
      • Real estate
  • What is the safest thing to invest in right now?
    • Some of the safest investments that pay interest and can earn you more than a standard savings or checking account include:
      • Putting your money in a CD
      • Money market accounts
      • High-yield savings accounts
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