The Best Investments to Make in Your 30s

investing in your 30s

As you hit your thirties, it’s important to do an inventory of finances to make sure you’re on track to hit your goals. By auditing your income, expenses, savings, and investments, you can ensure that you’re protecting your future and making the most of your funds.

Of course, now could be a good time to make new investments too. If you’re eager to increase your capital or generate extra income, take a look at the best investments to make in your thirties:


Paying into a pension is one of the best ways to save for your retirement. If your employer offers a workplace pension, they will typically contribute to it as well, which means you can maximize your savings. However, if your employer doesn’t provide this benefit, taking out a private, individual pension can be a wise move.

Although you may not plan to retire for another thirty or forty years, paying into a pension now will give your funds enough time to generate an impressive return. Furthermore, investing over a long period allows you to overcome falls in the market and cash your pension in at a time when it’s generating the highest outputs.


If you’ve already purchased your own home, you may want to consider investing in property in other ways. Buying an apartment with help from strata lawyers and leasing it to a tenant can generate a second income and potentially increase your capital, for example.

Alternatively, investing in real estate investment trusts allows you to profit from the market, even if you don’t have the funds to buy a second property outright.


If you’re looking for a high-risk investment, cryptocurrency could be a good option. Digital currency has become far more mainstream in recent years, so there’s a good chance you’ll be able to make a generous return, providing you choose the right currency to invest in.

Although high-risk investments can be volatile, it can be a good strategy to lower the level of risk you take the older you get, which means you’ll still have time to make high and moderate-risk investments in your thirties.


Gold is typically seen as a low-risk investment because it tends to hold its value over time, even when global economies are disrupted and things are looking bleak. Furthermore, gold reacts to market events differently to other commodities, such as oil.

This means that gold can be an effective way to diversify your portfolio. If you stand to lose money on stocks or other commodities in the event of a recession, for example, your investment in gold could offset these losses, providing it retains its value.

Planning Your Investment Portfolio

Making investments in your thirties allows you to use long-term strategies to generate high yields and profitable returns. However, it’s important to consider all of your options before you decide where to invest your funds. Additionally, seeking professional financial, legal and tax advice can help to ensure that you’re managing your finances in the most effective way.

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