Skip to content
Home » 9 Smart Ways to Invest $100 in 2022

9 Smart Ways to Invest $100 in 2022

Smart Ways to Invest

Making smart investments is one of the best ways to secure your financial future. While it may be difficult to save up a large sum of money, investing a smaller amount over time can yield big dividends down the road. In this post, we’ll explore nine smart ways to invest $100 in 2022. Whether you’re looking for short-term or long-term investments, we’ve got you covered. So read on to learn more!

High-yield savings account

Right now, a high-yield savings account is one of the best ways to invest your money. Why? A high-yield savings account pays more interest than a traditional savings account, making it a great place to store your cash. In addition, your money is FDIC insured, meaning you’ll be covered if the bank fails. You can find high-yield savings accounts at most banks, and they’re a great way to save for short-term goals like a vacation or a new car.

Certificate of deposit (CD)

A CD is a safe investment option that offers a fixed return on your deposited money. Certificates of deposit (CDs) are one of the safest investment options around. Unlike stocks or mutual funds, CDs are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per account. This means that your principal investment is protected in the event that the CD issuer goes bankrupt. In addition, most CDs offer a fixed interest rate. This means that you’ll know exactly how much interest you’ll earn on your deposited money each year. Finally, CDs have a set maturity date, which means you can’t withdraw your money until the CD matures. If you need to access your money before the CD matures, you may be subject to a penalty.

Learn more: Low-Risk Businesses

Government bond funds

A government bond fund is a type of mutual fund that invests in debt issued by the U.S. government. These funds are considered low-risk and offer stability, making them an ideal investment for those who are risk-averse. Government bond funds are a great way to ensure your money is working for you while you sleep. They typically have low fees and offer a steady return on your investment. If you’re looking to invest $100 in 2022, we recommend considering a government bond fund.

Investment-grade corporate bond ETFs

If you’re looking for a more stable investment, consider investment-grade corporate bond ETFs. These ETFs are made up of bonds that are rated BBB or higher by credit rating agencies, meaning they’re less likely to default and more likely to provide consistent returns. Because these are corporate bonds and not government bonds, the yields will be slightly higher, but they’ll also be more volatile. However, if you’re looking for a conservative investment that will still provide a modest return, then investment-grade corporate bond ETFs are a great option.

Wiki: Investment

Treasury Bills

A treasury bill is a short-term debt security issued by the United States Department of the Treasury. Treasury bills are sold at a discount and mature in one year or less. Treasury bills are a low-risk investment because they are backed by the full faith and credit of the United States government. They are also exempt from state and local taxes. If you’re looking for a safe and conservative investment, treasury bills are a great option. You can invest as little as $100 in treasuries, making them a great option for beginner investors.

Treasury inflation-protected securities (TIPS)

A treasury inflation-protected security, or TIPS, is a government bond that is indexed to inflation. This means that the principal (or underlying investment) and the interest payments are both protected from inflation. One of the great benefits of TIPS is that they provide a predictable stream of income, as the interest payments are adjusted for inflation. This can be helpful for retirees or those who are living off their investments. TIPS can be purchased through a brokerage account or directly from the government. They can also be held in a variety of different investment accounts, such as a 401(k) or IRA.

Index funds

Index funds, such as the S&P 500, are a type of mutual fund that tracks the performance of a specific index. This basically means that they invest in a group of stocks that are all in the same industry or sector. Index funds are a great way to invest your money because they’re often low-cost and very diversified. This means that you’re not taking on too much risk by investing in them, and you’re also not paying a lot in fees. Another great thing about index funds is that they’re really easy to use. You can buy them directly from an investment company or through a broker, and you can start with as little as $100.

Dividend-paying stocks

If you’re looking for a way to grow your money without too much risk, dividend-paying stocks might be a good option for you. They can be paid out quarterly, monthly, or even annually, and are a great way to earn consistent income from your investments. There are a number of dividend-paying stocks to choose from, so do your research and find one that matches your investing goals.

Growth stocks

A growth stock is a great option for your $100 investment. These stocks are companies that are expected to have above-average increases in revenue and earnings. There are a few key things you should look for when choosing a growth stock. First, make sure the company is profitable and has a solid track record. You’ll also want to check its growth rate and make sure it’s sustainable. Finally, be sure to research the company’s management and what their plans are for the future. With a little bit of due diligence, you can find some great growth stocks to invest in for the long term.


It can be tough to save money, but it’s definitely important to do so. By investing $100 in 2022, you’ll be able to ensure a bright future for yourself and your loved ones. Consider one or more of the following options: start an emergency fund, put your money in a high-yield savings account, invest in stocks or mutual funds, purchase bonds, buy gold or silver, invest in real estate, contribute to a retirement account, or stash your money away in a certificate of deposit. Whatever you choose, make sure you do your research and take the time to understand the options available to you. With careful planning and some wise investments, $100 can go a long way in 2022.