Επένδυση χρημάτων – Οι καλύτεροι τρόποι για το 2025

A wise investor knows better than to put all their eggs in one basket when making an investment. Instead, they learn about different types of investments and apply what they know about each to generate income in a variety of ways.

There are many different investment baskets to choose from. However, before you invest money and start building your portfolio, it’s important to understand all of your options to ensure you’re choosing the best investment options.

Each investment strategy has its pros and cons. Your risk tolerance, familiarity with specific markets, time horizon to avoid capital gains, and initial investment motivation will determine the best types of investments you can make.

There are definitely some investments among the many varieties available that are the best ways to invest money for you. These are what we are going to analyze in our article today.

List of the best options for investing money in Greece

First, we’ll provide you with a comprehensive list of the best ways to invest. This way, you’ll have an idea of ​​what our experts are going to advise you on right from the start.

How can I invest money online – A Quick Guide

In today’s world, there are a multitude of options where you can invest money online. There are excellent trading platforms , where a single account is enough to give you the opportunity to invest money. Let’s look at six simple concise steps to create an account for investment.

Το 51% των λογαριασμών ιδιωτών επενδυτών χάνουν χρήματα όταν διαπραγματεύονται CFD με αυτόν τον πάροχο. Θα πρέπει να σκεφτείτε εάν έχετε την οικονομική δυνατότητα να αναλάβετε τον υψηλό κίνδυνο να χάσετε τα χρήματά σας.

Detailed information on the best ways to invest money in 2025

Investing money is one of the best financial decisions you can make when it comes to growing your wealth and making financial plans for the future.

There are many advantages to investing money wisely. Investing, when done well, can help you accumulate money on your own terms and beat rising inflation.

Below we will see in detail what the best ways to invest money are and what the benefits and risks are that each one “carries”.

1. Stocks – A category of investment that if you have the knowledge, you can become rich

There are different approaches to investing money in the stock market. You have three options for investing. These are stock options, stock indices, and individual stocks.

Investing money in individual stocks

Shares of ownership in a particular company are represented by shares. Investing money in shares of a company makes you a part owner of that particular business. This means that you profit when the business does and that the value of your shares increases as the company grows.

The value of an owner’s investment of money in a company increases as the price of the stock increases. The owner of the stock then has the option to sell it for a profit. On the other hand, the owner’s investment loses value when the price of the company’s stock decreases.

If the business decides to give shareholders a portion of its profits, shareholders can also benefit from dividends.

Investing money in carefully selected individual company stocks that you have researched can yield returns that are significantly higher than average. By investing in exceptional companies at prices that ensure a significant return, you can reduce risk.

Investing money in stock options

Buying an option on a company involves speculating on whether the price of that company’s stock will rise or fall. By purchasing an option, you can buy or sell that company’s stock at a predetermined price within a predetermined period of time without actually holding the stock.

Stock options are quite risky. Like other high-risk ventures, there is a potential for large profits. Unfortunately, there is also a potential for significant losses, especially if you don’t know what you’re doing.

2. Cryptocurrencies – If the best ways to invest for you are high-risk, then cryptos are offered

Cryptocurrencies represent a relatively new category of investment.

The volatility of cryptocurrency prices has made it one of the most popular investments in recent years. Because currency prices are influenced by both supply and demand and media attention, they often see significant fluctuations.

Due to the significant risks involved and the potential for huge returns from relatively small inputs, investing in cryptocurrencies has grown in popularity.

A look at the popular platform CoinMarketCap , and the category with the best cryptocurrency trading platforms , is enough to show the truth of his words. Also, a look at social media and in particular X, we can understand the present and the excellent future of this market.

Investing money in Bitcoin

You can convert your euros into cryptocurrency in the same way that you can convert them into any other currency, such as the yen or the dollar.
Although cryptocurrencies are not officially part of the Forex market, investing money in them works in a similar way. Many cryptocurrency investors expect that as cryptocurrencies appreciate in value compared to the US dollar or the euro, they will be more easily accessible through online retailers.

If a person bought Bitcoin in 2013 and sold it today, they would undoubtedly benefit greatly. The inability to time the cryptocurrency market is the issue. The price of Bitcoin and other cryptocurrencies can either continue to rise sharply or fall to zero.

For investing in the best cryptocurrencies, you can read our article here .

3. Mutual funds – A sector that allows you to invest money in three different asset classes

A pool of money pooled by many participants is what makes up investment funds, which are then used to invest in a variety of assets, such as stocks, bonds, and other financial instruments. Typically, the pool of investments tracks a market index.

Investing money in Mutual Funds

A mutual fund is a type of investment fund run by a money manager who makes investments on your behalf and aims to produce healthy returns.

Bonds and stocks are sometimes combined to create mutual funds. These are less risky because your money is spread across a large number of stocks and bonds. Only the interest on the bonds and the dividends on the stocks will benefit you. Otherwise, you will lose money if you sell the mutual fund before its value increases in line with the market.

As for value, keep in mind that mutual funds are created and overseen by self-proclaimed “financial experts” who are struggling to outperform the market. Especially when you consider the fees they charge you to handle your money.

Investors expect at least a 15% annual compound rate of return. We won’t care what the market does if we can do that, since we’ll still be rich when we retire.

Investing money in index funds

Index funds are another type of equity investment that allocates your money across a number of stocks, just like mutual funds do. Index funds are not directly overseen by a money manager. Instead, they are passively managed, which sets them apart from mutual funds.

There are fewer expenses associated with index funds due to their passive management, which could lead to somewhat higher returns than with mutual funds.

Since most major indices track the market as a whole, their long-term performance is roughly equal to that of the market as a whole. Otherwise, their typical annual return is around 7%.

Fair return

This is still a fair return, much higher than savings account interest rates or bond yields, although not as high as the returns you can get by carefully selecting specific companies with proper research.

Investing money in an index is similar to placing a bet on Greece. You’ll probably be fine if you believe the country’s economy will continue to expand.

The problem with this is that if you invest money in an index and a recession occurs, the market can be down for a long time. This means your portfolio will also be down, and you could run into problems if you’re too close to retirement to wait for things to change.

This is an added benefit of investing in individual businesses. Even in times of recession, truly exceptional times usually pay off.

Investing money in exchange-traded funds (ETFs)

Exchange-traded funds, also referred to as ETFs, are comparable to index funds in that they replicate the performance of a known index and track it. ETFs, on the other hand, are bought and sold on the stock exchange, unlike index funds.

You’ll spend less on fees and have more control over the price you pay for ETFs because they’re traded on the exchange. The performance of the index you’re investing in will determine your total payout.

Investing in an ETF that tracks a broad index, such as the S&P 500, can help you reduce risk.

To benefit from market growth, you can invest money in an exchange-traded fund (ETF) like SPY, which is a collection of the 500 largest companies in the market, without having to pay fund manager fees.

4. Cash and Commodities – Investing money in this sector when the world is in a chaotic impasse

Since cash and commodities are generally considered low-risk investments, starting with one of these can be a good idea if you’re new to investing. Also, if you’re extremely uncomfortable with risk. Remember that lower-risk investments usually yield lower returns.

Investing money in commodities

Commodities are products or raw materials that are freely purchased and exchanged in trade. Products used in agriculture, energy, and metals such as gold and silver are some examples.

Some commodities (like gold) can be purchased directly from a dealer, or you can use a managed fund to invest in commodities. In addition, you can buy derivatives or shares in publicly traded commodity companies (like those that grow or produce crops or oil).

When investing money in gold, keep in mind that the price can change dramatically and quickly because your “moat” or protection against a decline in value depends on external variables.

Gold can be a wise investment if you believe there will be more terror in the world in the future.

Investing money in cash

Cash is essentially investing money in bank products. With CDs, you pay into a large sum that accumulates interest over time without touching you. While the dividend on CDs is guaranteed and less risky than, say, growth stocks, it will still be less profitable.

Investing in CDs can help you avoid market volatility because they are stable and insured by the government (mainly banks). For low-risk investors, CDs are therefore often a suitable option.

5. Bonds and Securities – Investing money in bonds and securities is a smart investment choice when you are interested in a long-term investment.

Stocks and bonds are two other low-risk investment options. Governments, state, local, and private entities, as well as individual businesses, sell bonds.

Bonds, known as mortgage-backed securities, are usually issued by a government agency of a country. However, they may also be issued by private companies.

Investing money in corporate and savings bonds

Any bond you buy is a loan you make to the company you bought it from, with interest and a set repayment period.

Since the issuer’s default is the only way to lose money on a bond, they are considered safe and low-risk investments. Savings bonds issued by a country’s government are almost risk-free due to their government backing.

Bonds are issued by both governments and businesses to raise funds for various projects and operations.

Government bonds are less risky than corporate bonds because of the lower chance of a company defaulting on a loan. Investing money in a corporate bond does not give you any ownership in the company, unlike investing in a company through stock purchases.

It’s important to keep in mind that investing in bonds could only yield a 3% return on your investment over several years. This shows that since the bond’s growth rate didn’t even match the rate of inflation, your money will actually have less purchasing power when you take it out than when you put it in.

6. Real Estate – Everyone needs a roof over their head for this and the demand is always high

Since real estate is often an expensive investment of money, smaller, less capital-intensive investors may find it difficult to compete.

However, crowdfunded real estate investment options are beginning to emerge, offering new avenues for those who wish to participate in real estate but lack the necessary capital.

The most challenging aspect of investing money in real estate is finding a home that you can buy with a margin of safety. You can invest in real estate and make respectable profits.

In addition to renting or leasing the property to tenants, you can benefit from both buying the property at a discount and selling it at full price.

Buying houses, apartments and commercial buildings is just one way to make money investing in real estate. Other options include flipping houses, owning a farm and owning a trailer park. For most novice investors, the biggest drawback is the high barrier to entry.

Investing money in REITs

Similar to a mutual fund, a Real Estate Investment Trust, or REIT, pools the capital of many investors and uses it to purchase a variety of income-producing real estate assets.

Additionally, REITs can be more affordable and simpler to invest in than real estate because they can be bought and sold like stocks on the stock market.

Buying, managing, or financing real estate is not necessary when investing in a REIT, which lowers the typical barriers to entry for real estate investing.

7. Pension plans – A solid pension is definitely a long-term goal for a new employee.

A 401(k) and an IRA are the two main types of retirement accounts. The money in both accounts is money that you set aside and then invest in different ways.

The risk and return of a retirement account are based entirely on the investments made in them, which can vary widely. Annuities are an additional investment option you may want to consider for your retirement plan in addition to these retirement accounts.

Investing money in a 401(k)

An employer-sponsored retirement account is called a 401(k). The main advantage of this retirement plan is that, depending on the terms of the agreement, your employer can “match” or contribute an amount up to a predetermined percentage of your account balance.

Every penny invested in mutual funds is what ends up in a 401(k). The thing is, these mutual funds almost never outperform the market average.

Otherwise, if you were to invest in an index like SPY and leave it there without any management, you would likely get higher returns than you would from a 401(k).

Again, the fact that the managers of these funds charge a high fee for their services is why the funds can’t beat the market. Furthermore, any profits the management may have been able to generate above and beyond the performance of the market as a whole quickly diminish after this fee is deducted.

Remember that increasing the diversity of your investments does not automatically reduce your risk exposure.

Investing money in an IRA

An individual retirement account, or IRA, is something you can open for yourself. IRAs come in two varieties, such as standard IRAs, which are tax-deferred, and Roth IRAs, which are tax-free.

When you withdraw money from a Roth IRA during retirement, the income from your investments is not subject to taxes. This is because the money is taxed before it is invested.

You can choose to invest money more freely with an IRA or Roth IRA than you can with a 401(k). The money in these accounts can be allocated to mutual funds, individual stocks, bonds, and exchange-traded funds (ETFs).

You face less risk the more control and diversification you have in your investments.

Annuities investment money

An investor and an insurance company enter into a contract known as an annuity, under which the investor pays a lump sum to the insurer in exchange for regular payments from the insurer. Typically, they are used to provide a fixed monthly payment during retirement and to increase income.

Annuities don’t really carry any risk, but they also don’t have any potential for profit. They don’t guarantee growth. They’re just a means of saving money for retirement.

What is investing money?

Investing is the process of purchasing assets with the expectation that their value will increase over time. If your investment is profitable, you will have earned returns. A variety of assets are available for investment, including real estate, stocks, cryptocurrencies, businesses, and individual savings accounts. Investing money involves the risk that the value of your money may increase or decrease.

How do investments work?

Buying at a discount with the intention of selling at a higher price is the fundamental idea of ​​investing. However, investing money involves risk, so there is a possibility of losing money in addition to making it. Furthermore, this highlights the need to know how investments work before making any investment of money. So let’s look at 5 elements of the fundamental idea of ​​investing.

Locate an investment

You should first look for an investment of money. If you feel comfortable enough, you may want to look for an investment on your own. Expert help is another option available to you when looking for investments. You can get help choosing an investment from wealth managers, financial advisors, and even your bank.

Invest money

The asset you invest in will determine how you invest. However, most often you invest in one asset, such as bonds, funds or stocks, and cryptocurrencies.

The return on investment

It is important to keep in mind that no investment is 100% safe and there is no certainty of profit. However, you will receive returns on your investment of money (essentially more money than you invested) if it performs well. You receive a lower return on your investment if it fails and loses its value.

Sell ​​your asset

You might also want to sell your investment. Selling it could result in a large profit for you, depending on the performance of your investment. A capital gain occurs when you sell your investment for more money than you originally invested. Appreciation is the increase in the value of your investment between the time you buy it and the time you sell it.

How to make the best possible investment of money

The choice of where to invest your money is based on a number of factors, most of which are unique to you. They also reflect your financial circumstances and the state of the market outside your home. Before you make an investment of money, keep the following in mind.

Risk tolerance

Risk tolerance in investing money is the degree to which you are prepared to deal with market volatility. For example, the cryptocurrency market is extremely volatile and is typically geared towards investors who can tolerate a high level of risk. Low-risk investors, on the other hand, find SPY more appealing because it is less volatile.

It is not intended to suggest that one is superior to the other. Rather, the two are suited to different ways of investing money. Although there is a much greater chance of loss, high-risk investors may see more notable returns than low-risk investors.

Budget

Your ability to invest money will be determined primarily by your budget. For example, investing in real estate is probably not something that novice investors can realistically do. Additionally, value stocks, whose price is expected to increase over time, may be a more affordable option.

For some investors, large-cap stocks like Apple or Microsoft can also be too expensive. Of course, your budget will affect the options you have to buy stocks from.

Financial knowledge

When investing money, you should also consider your personal financial knowledge. For example, investing in growth stocks requires a thorough understanding of market trends and the companies that are most likely to prosper in the current market.

Instead, SPY takes care of that part for you. The companies in the index have a proven track record and investing money in them would be comparatively safe even for those without extensive financial understanding.

Time range

Consider this question before making any investment: “When do I need the money?” Some investments pay off fairly quickly. For others, the full reward may not be felt for years after the investment is made. For example, small-cap stocks bet on the continued expansion of a startup. Furthermore, it is quite difficult to estimate how long this will take, but it usually takes longer.

Value stocks also represent the changing market values ​​of the company. To get a return on your investment, the market requires patience, which you must commit to.

Liquidity

Earnings that can be easily converted into cash are known as liquid assets. This is important because investment liquidity varies. Additionally, since you can sell stocks and bonds at any time, they are considered the most liquid form of investment.

However, because it can take longer for returns to be realized, real estate is one of the least liquid investments. Additionally, you should consider how quickly you can convert your investment into cash when determining your time horizon.

What are the costs involved in investing money?

The type of investment you make will determine the fees and charges associated with it. Here are some fees you may encounter:

Trading commission – You may be asked to pay a fee each time you buy or sell shares, whether you are a shareholder of the company or buy shares through a broker.

Management fee – The investment manager will charge you for handling your investment funds.

Advisory Fee – If a financial advisor provides you with advice and recommendations, there will be a fee. By making your own financial decisions and doing your own personal research about investing money, you can avoid the fee.

Platform Fee – This is the amount the investment platform provider will charge you for managing or making the investment of your money.

Some tricks and tips you should know before making an investment of money

Before you start investing money, keep the following in mind:

Maintain a cash reserve – It’s a good idea to start investing after you have an emergency fund large enough to cover three to six months of expenses.

Consider the long term – Investing money is based on the theory that you can buy something for less and sell it for a profit later. So be prepared to hold your investment for at least three to five years.

You may suffer losses – The fact that investing money involves risk cannot be emphasized enough. Always keep in mind that investing has risks in addition to the potential for large profits.

Market turbulence – The value of investing money fluctuates and this is typical. For this reason, investing should be viewed as a long-term endeavor and not a quick cash grab.

Tax efficiency – When you invest, you can use the tax-deferred benefit to protect your money from taxes.

[stocks_table id=”17″]

Complete guide to investing money in 2025

Although we have presented a concise guide to investing money, it is important to know exactly what you need to do to avoid mistakes and losses when investing money. Let’s go through the steps one by one.

Conclusion

Each of us is looking for the best ways to invest our money. The needs and tolerances of each investor are different.

Do your research and follow the steps we have outlined to ensure that you are investing money that suits your needs, your financial capabilities and the risk tolerance you are willing to take.

Never copy someone else’s investment choices as they have different parameters than yours.

Best broker for investing money from Greece

Το 51% των λογαριασμών ιδιωτών επενδυτών χάνουν χρήματα όταν διαπραγματεύονται CFD με αυτόν τον πάροχο. Θα πρέπει να σκεφτείτε εάν έχετε την οικονομική δυνατότητα να αναλάβετε τον υψηλό κίνδυνο να χάσετε τα χρήματά σας.

Frequently Asked Questions

Bibliographic resources

• https://www.ot.gr/2023/04/10/oikonomia/ependyseis-pou-na-topothetisete-ta-xrimata-sas-gia-na-petyxete-apodoseis/
• https://www.kathimerini.com.cy/gr/oikonomiki/money-review/4-symboyles-gia-na-ependysete-xrimata-otan-sas-perisseyoyn%E2%80%A6-me-to-zori
• https://www.ovb.gr/istologio/arthro/ependyse-ta-chrimata-soy-me-ton-sosto-tropo-pos-na-axiopoiiseis-sto-megisto-tis-apotamieyseis-soy.html
• https://www.nbg.gr/el/idiwtes/life-moments/diaxeirisi-periousias/pws-na-ependyseis-me-xamhlo-kefalaio