How to Invest $300k-$400k - 12 Best Ways to Invest $300,000-$400k in 2024 (2024)

Our editorial team uses a strict editorial review process to compile all reviews, research, and evaluations of any kind. Our company, WallStreetZen Limited, is supported by our user community and may receive a small commission when purchases are made through partner links. Commissions do not affect the opinions or evaluations of our editorial team.

With $300K – $400K to your name, you’ve already hit a major money milestone. However, that doesn’t mean you should get complacent with your capital.

After all, if you let your stash of cash sit in a standard bank account, you’re guaranteed to lose purchasing power to the insidious “inflation monster.”

Learning how to invest 300K – $400K is all about exploring options that make your money work for you.

Keep reading to find out how to invest $300K to ensure your capital grows for you and your loved ones.

How to Invest 400k (or 300k): Top Platforms

The 12 Best Ways to Invest $300K in 2024

The best way to invest $300K – $400K depends on your risk tolerance and earnings goals.

So, before researching where to invest $300K, please take some time to define your preferences and strategies. Carefully considering your risk tolerance will help you determine how to invest $300K wisely.

1. Invest in Fine Art

With $300K to invest, odds are you’re looking to diversify your holdings, instead of just putting it all into one place. And for diversification, studies have shown that alternative assets have been increasingly popular, with the overall alternatives market expected to grow a steady 8% yearly through 2028 (Preqin).

For an alternative asset, fine art may be a surprising choice to some people, but Citi has published studies showing that it has an extremely low correlation to the stock market, and other major asset classes in general. And of course, if you pick the right pieces, you can capture some incredible price appreciation to boot.

But how do you know you’re getting the right art? And how do you buy into it with $300K, when blue-chip pieces run into the tens of millions? Well, as alternative assets like art have grown in popularity, so have services offering them, like Masterworks. With a Masterworks account, you can easily invest in shares of legendary paintings by the likes of Picasso and Banksy. Masterworks sources art, buys it, and aims to resell it for a profit that they pay out to investors (which they’ve successfully done 20 separate times so far).

2. Pay Off High-Interest Debt

Our next intelligent way how invest $400,000? Get high-interest debt off your chest.

The longer you neglect this nefarious issue, the more you’ll owe in the long run, so it’s best to nip it right in the bud.

Sure, you could make more money with a winning investment, but there’s no such thing as a sure bet. Actually, the only “sure thing” in this situation is if you pay off your debt and eliminate high-interest payments.

With debt off your plate, you’re in an excellent position to make clear-headed investing decisions.

Need help figuring out the best way to put a dent in debt? Empower — perhaps best known as a retirement and money management service (we’ll get to those services later) — has some incredible FREE tools to help you out.

Empower has a FREE digital dashboard specifically for budgeting — it’s loaded with handy features like a budget planner and an investment check-up tool.

3. Stocks and ETFs

Stocks and ETFs have been, are, and probably always will be synonymous with “investing.” While this may not be the best way to invest $300K if you’re risk averse, it’s one of the most straightforward and liquid ways to put money to work.

All you have to do is open a brokerage account, pick companies or funds that fit your risk tolerance, and either trade shares or hold them for the long haul.

And here’s the cherry on top: Most of today’s brokerage platforms don’t charge annoying commission fees!

Remember, there are no guarantees for long-term appreciation with stocks; in fact, some stocks can be very volatile. So be sure to carefully research assets before you invest.

Thankfully, there are many tools you can use to analyze the pros and cons of different stocks and ETFs. For instance, WallStreetZen’s Stock Screeneris a great starting point to help you find suitable investments for at least a portion of your $300K.

Once you feel confident about entering the market, sign up for a high-quality online broker.

Our top pick? eToro. It’s is an excellent option for new investors thanks to features like CopyTrader, which lets you follow (and mirror, if you choose to) the trades of top-ranked traders and investors.With these tools, you can analyze and harness the wisdom of experienced traders in your stock-picking strategies.

But it’s not just for beginners. eToro is also loaded with features that more sophisticated traders and investors will enjoy, like stock research tools, fast execution, alerts, and access to a variety of tradable assets like REITs, options, and crypto.

4. Invest in Bonds

The words “boring” and “bonds” fit so well together — and it’s not just because of alliteration.

Although buying these debt certificates isn’t as thrilling as flipping penny stocks, they are one of the best ways to invest $300K if you’re a squeamish investor.

Let’s face it, there’s never a time when governments and corporations don’thave debt. In fact, bonds go back to theearly days of Mesopotamian civilization— and they aren’t going away anytime soon.

If you want to avoid the dreaded U.S. Treasury Bond website and focus on how to invest 300,000 dollars in bonds on faster and easier-to-use platforms, take a peek at the bond ETFs available on hot brokerage platforms.

Yes, you’ll have to pay a fee to fund managers, but owning bond ETFs is super straightforward if you’re already on a site like eToro since the platform offers all great tools I mentioned in #2 (Invest in stocks and bonds). But bond ETFs are available on most brokers.

5. Invest in Private Credit

If bond interest rates bore you, consider upping the risk factor with private credit investing.

As the name suggests, “private credit” means you’ll loan capital to private entities — whether they’re companies, venture capitalists, or individuals — and receive interest payouts. These loans work just like bonds, except they don’t take place in the public market.

Obviously, the relative lack of regulation and transparency are cons for private credit investing. On the other hand, private credit typically rewards borrowers with higher yields and greater flexibility.

Sometimes, you’ll only need to tie your funds up for a few months before putting your principal back in your pocket.

So, how to invest $400K in private credit?

Well, one of the best ways to invest $300K in this niche is with a Percent account.

Percent offers countless pre-screened private credit offerings to accredited investors, including a signature “Blended Notes” feature to spread out your portfolio’s risk.

Interested in learning more about Percent’s offerings? Find out how to invest $300K (or at least a portion of it) with the link below.

6. Invest in Private Companies

If you’re a risk-averse investor looking for where to invest $300K, private companies probably aren’t the best option.

Since shares in private equity aren’t as regulated as public companies, you don’t have the protections of organizations like the Securities Investor Protection Corporation (SIPC).

Also, when you buy shares in private companies, you’ll have reduced liquidity, greater counterparty risk, and less transparency on the value of your assets.

Plus, you usually have to purchase a hefty minimum to get into a private company you like.

With all of these negatives, why would anyone consider how to invest $300K in startups?

Simple: Higher profit potential.

If you get in before the general public on a successful company, odds are your shares will “rocket emoji” on the public market.

In fact, studies suggest most IPOs surge 20%on their opening day.

Imagine being an early investor in pre-IPO shares of now-household names like Tesla (NASDAQ: TSLA) or Apple (NASDAQ: AAPL)!

Of course, not all private shares reach such lofty heights, but there are high chances of price spikes if you choose a solid company.

Searching for how to invest $400K in private equity? We’d suggest starting with Equitybee. While investing in private companies does carry risk, on this highly-rated platform, you can rest assured that the companies they offer have been carefully vetted.

On Equitybee, accredited investors can access shares in many buzzworthy pre-IPO companies, including Open AI,Impossible Foods, and Grammarly.

7. Invest in Real Estate

Along with stocks, real estate has high appeal when it comes to the topic of where to invest $300K – $400K.

Like the S&P 500, real estate prices tendto go upover the long term. Of course, there are no guarantees property values will rise, but real estate remains one of the most reliable asset categories.

Plus, if you own literal property, you can earn passive income by renting it out long-term or on apps like Airbnb (NASDAQ: ABNB).

But you don’t need to buy a house if you’re looking for how to invest $300K in real estate.

Sites like Roofstock, Yieldstreet, and RealtyMogullet you invest your funds in part-ownership for houses and let the owners take care of the hassles of property management.

Also, if you’re looking for how to invest $300K for cash flow, any of these sites offer a fantastic dividend strategy. While holding your property shares, you’ll get consistent payouts into your account.

Need to choose just one? Our pick is Yieldstreet because it gives you the most bang for your buck.

Yieldstreetprovides accredited and non-accredited investors access to a wide array of private alternative investments.

Yieldstreetoffers more asset classes than any other platform, including real estate, crypto, transportation, venture capital, short-term notes, art, private equity, structured notes, private credit, and diversified funds.

As an example of a recent project, Yieldstreetrecently provided an $11.6 million mezzanine to the borrower constructing a 124-unit multifamily development in Portland, OR. Yieldstreet investors can expect monthly payments from this debt repayment.

8. Invest in Farmland

Without farms, there’s no food; without food, there’s no life; without life, well, what’s the point of anything?

So, it should be obvious farmland is an intelligent choice for where to invest $300K.

Although the value of farmland doesn’t always go up, it’s often considered a relatively conservative bet, similar to real estate.

Plus, thanks to online trading platforms like AcreTrader, you don’t have to buy and manage land to get into this field.

With its intuitive interface, multiple accreditations, and attractive distributions, AcreTrade is the best way to invest $300K (or at least a partial allocation) in farms throughout the USA.

9. Set Up a High-Yield Savings Account

Searching for how to invest $300K for passive income? Look no further than high-yield savings accounts!

These work the same as traditional savings accounts, but they offer above-average rates to depositors. So, you get the benefits of protections like FDIC plus a little extra yield in your account.

Arguably, this is the best way to invest $300K (or at least a big hunk of it) if you want a safe, low-hassle option to earn consistent income.

Just keep in mind the rates on high-yield savings accounts are variable, so it may not always be the best option for how to invest $300K for cash flow.

In terms of the highest-yield high-yield accounts, we have two suggestions:

On M1 Finance, M1 Plus members are currently eligible for one of the highest APYs around.

Currently, M1 Finance offers 5% APY for qualifying high-yield savings accounts.

You could also review Empower’s Personal Cash feature hereto put your money to work in a high-yield savings account.

10. Invest in Retirement

While everyone’s investment time horizon is unique, chances are you want to store some of your $300K for your golden years. If that’s so, be sure to look into tax-advantaged retirement plans to get some sweet perks on your principal.

For instance, consider using a Traditional or Roth IRA to buy stocks, bonds, or ETFs. Traditional IRAs get tax deductions on yearly contributions, while Roth IRAs don’t charge taxes once you start withdrawing funds.

There are plenty of banks and brokerage houses, including TD Ameritrade, Fidelity, and Charles Schwab, where you could get started with these retirement options.

Not interested in buying stocks with your retirement funds? No worries! There are also self-directed IRAs, which give you greater flexibility over your assets.

With a self-directed IRA, you can invest in many non-traditional options, like real estate, cryptocurrencies, and private equity, without paying pesky taxes.

If you’re looking for where to invest $300K in a self-directed fund, look into Equity Trust. Founded in the 1970s, Equity Trust is one of the oldest in the self-directed IRA space, and they have a plethora of investments to choose from.

11. Invest in Gold

It’s hard to say what the best investment is for $300,000K, but gold is the most “solid.”

Bad jokes aside, precious metals like gold are some of the most sought-after assets in human history. Not only are these metals pretty, but they have many use cases in industries like technology, jewelry, and manufacturing.

Plus, since gold and silver are physical assets, you’ll own tangible goods outside the financial system.

Although metals are marvelous options for conservative investors, not all that glitters is, well, “gold.” For instance, it’s pretty annoying to store these metals at home. Also, you’ll be responsible for securing your bars or coins from theft.

From a price perspective, precious metals are one of the least volatile asset classes. That’s good news if you get stressed by sharp corrections, but it may not offer the best ROI.

If you’re serious about stacking gold, you could get started with an online vendor like Silver Gold Bull. Besides gold and silver bars, this site offers plenty of unique options like palladium, jewelry, and even a few pop culture-inspired coins.

12. Professional Money Management

Still unsure how to invest $400K? Let the pros help you out.

With a professional money manager, you’ll discuss the best way to invest $300K – $400K according to your risk appetite and financial goals. After your preliminary meetings, a team of financial experts will fill you in on where to invest $300K for your specifications.

The downside of this method? Well, you aren’t going to get that personal touch for free.

After evaluating a money management firm’s safety and track record, take a peek at its fee schedule and calculate how much it will eat into your investment.

Still, even with these fees, using a personal wealth manager is the best way to invest $300K if you want a hands-off approach.

Need help finding how to invest $300K in a wealth management fund? We’d recommend checking out Empower. They’ve been in business since the 1890s and have one of the most attractive fee rates in the industry.

Bonus: Crypto

Depending on who you talk to, buying cryptocurrencies is the best or worst option for your $300K.

Bitcoin (BTC) bulls believe digital assets will revolutionize commerce and finance, while crypto haters don’t see any value in these crazy virtual coins.

One thing’s for sure: Investing in crypto is a high-risk play.

Even established coins like Bitcoin and Ethereum (ETH) have some of the most dramatic price movesin the financial world.

While that gives crypto investors a lot of upside potential, it’s hard to say whether these sky-high valuations will ever materialize.

You have to be prepared for extreme volatility and believe in blockchain tech’s value if you’re considering investing in crypto.

For those researching how to invest $300K – $400K into digital assets, consider getting started on a big brokerage platform like eToro.

Click this link for more details on eToro.

You could also opt for crypto-specific exchanges like Coinbase for even more digital asset offerings.

Care to give Coinbase a try? Set up a Coinbase account using this link.

How Important Are Tax-Advantaged Accounts?

The more money you make, the more tax season stinks.

While you’re thinking about how to invest $300K – $400K, be sure you’re factoring Uncle Sam’s cut into your returns.

Alternatively, you could consider using tax-advantaged accounts like IRAs to shield you from this drain.

Although it’s not necessary to use tax-advantaged accounts when investing $300K, it’s worthwhile considering the benefits of this strategy. Tax-advantaged plans are particularly helpful if you’re not going to touch your funds until retirement.

A Note About Allocation…

One of the best tips on how to invest $300K wisely is to review your portfolio allocation.

No matter how much you believe in an asset, it’s never wise to concentrate all your money in one basket.

Diversification is a hallmark of smart investing because it preserves your capital no matter which way the markets blow. Even if you have a few dogs in your portfolio, it’s unlikely everything will go “kerplop” at the same time.

Compare the different risk profiles of various asset categories and see if there are any correlations between these groups. If possible, organize a portfolio with a blend of unrelated assets to create what is the best investment for $300,000K.

If you need a refresher course on portfolio diversification, check out our 7 Diversified Stock Portfolio Examples article for some pro tips as you research the best way to invest $300K.

Final Word: Best Ways to Invest $300-$400K

So, have you figured out how to invest $300K wisely?

We know, it can be tricky to choose where to invest $300K.

The good news is you don’t have to choose just one option.

In fact, it’s a good idea to consider various financial products with different specs to give your portfolio the perfect blend of risk profiles. Armed with the information in this article, you’ve got plenty of different directions to explore — happy investing!

FYI: For more hot tips on what is the best investment for $300,000K, check out our ultimate guide on How to Make a Million Dollars.

• Share
• Share
• Tweet