A Manly Guest Contributor June 24, This is a guest post from Jeff Rose. As a financial planner, I spend a great deal of my time advising clients on how and where to invest their money.

Between bonds, mutual funds, ETFs, and even individual stocks that offer dividends, there are a huge number of options out there for investors to grow their money in the stock market. However, the stock market can be volatile in ways that the average investor may find difficult to watch. Here are nine possible investment alternatives that can also help you achieve your financial goals.

For many years, real estate was one of the most popular alternatives for investors who were skittish about the stock market. Unfortunately, it was also an investment that anyone who had watched home-flipping shows on HGTV thought they understood including yours truly.

Of course, we all know what happened in — and six years later many investors are still wary of the real estate market. In general, there are four accessible routes to real estate investment. Unless you use a management company — which will cut into your profits — you may find that being a landlord takes up too much of your time and resources. A real estate investment trust, on the other hand, offers a less hands-on method of getting into the real estate market.

Basically, the REIT is a group that invests in real estate properties, and allows investors to purchase shares of the REIT. These trusts receive tax benefits in exchange for paying most of their income to the shareholders. Investors can purchase shares of REITs on public exchanges, which means that the investment is pretty liquid. In addition, shares of REITs pay out regular dividends. Brandon Turner from BiggerPockets. There are two other popular methods of real estate that anyone could consider:.

If you do decide to invest in real estate, make sure you do your homework. Real estate seems like a simple investment, but there is a lot that you might not consider.

Just ask any home flipper who took a bath in Growing up my idea of a collectible was my favorite G. Let me start by saying that you should never buy any piece of art or collectible unless you actually love it and enjoy it.

So even if your stocks are down, the worth of your collectibles might be up. Also, individual artists and pieces can perform better than average, meaning your current investment could be worth a great deal more years down the road.

Some good news for art and investing newbies: This is largely because the price of gold forex demand draft validity other precious metals has escalated over the last couple of years.

You have to realize that gold is a risky investmentand it fluctuates just indiabulls online trading brokerage charges an individual stock — sometimes more! That being said, it is a stock does stock market open weekends alternative, so if you have a fear of the stock market, then investing in gold coins might be a viable option for you.

Todd Tressider, a financial coach and former hedge fund manger at FinancialMentor. Unfortunately for gold investors, the yellow metal has failed to deliver much diversification benefit forex financial services pty ltd recent deflationary bear markets.

With that said, inflationary bear markets may see valuable downside protection from gold similar to the role Treasury bonds have enjoyed in recent years. Fine wine is not just a buy gold coins stockton ca accompaniment to your favorite steak dinner — it can also be a valuable investment. Provided you go into wine investments with a clear understanding of which vintages and vineyards are the most sought-after, and what is necessary to protect your investment, you can expect to make a return of between 6 and 15 percent annually.

Of course, gaining that clear understanding is no small feat if you are not already a wine enthusiast.

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One of my favorite financial benefits of the modern and innovative world is the rise of peer-to-peer lending. This investment is just what it sounds like: The thing I like most about peer-to-peer lending, especially through Lending Club, is that the money you invest is diversified.

This is like buying stock in a mutual fund: Another great aspect of peer-to-peer lending is the low bar for entry: Which peer-to-peer lender is best? I was curious myself so I started the Prosper Vs. Lending Club experiment and opened an account with each. Uncle Sam phantom stock options definition you…to invest! Putting your money into a U. Of course, as you uk forex trading accounts, the safer the investment, the lower the return.

So putting your money into any particular Treasury bond may not beat inflation. However, experts claim that ten-year Treasury notes also known as T-notes are about to see an interest rate increase in If you want in on this, remember eve make isk quick T-notes mature in anywhere from two to ten years.

You will receive a set amount of interest each year over the life of the T-note. One other big plus for T-notes is the fact that there is a thriving secondary market for them, meaning that they are a pretty liquid investment.

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The good old Certificate of Deposit has always been a remarkably safe place to stash your cash. But you can help to maximize your earning potential and keep your money more liquid by creating a CD ladder. Rather than putting the whole enchilada into a single CD, you could invest in five different CDs with increasing maturity dates. The benefit of this strategy is that you can take advantage of higher rates when your lowest CD ladder rung matures.

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And if you find that rates have decreased, you still have money invested in CDs with the previously higher rates. Of course, CD rates have barely beaten inflation for some time, so even with the CD ladder, investing your money in Certificates of Deposit is not a good way to grow your wealth.

When rates bounce back, however, this could be a good alternative investment. Several years ago, a good friend of mine cashed out his Roth IRA to use towards his small business. At the time, I was a W-2 employee with my old brokerage firm and I thought he was completely nuts. But I now recognize that you can invest money in your own business that can give you an excellent short-term cash flow, and a potential major payday down the road if you ever decide to sell.

Justin Spring, an AoM guest writer, previously shared his 5 invaluable lessons for starting a business. Of course, being a small business owner is not necessarily for everyone. In that case, you could either make an equity investment, meaning you have partial ownership of the business and get to share in the profits, or a debt investment, which means you loan money to the business in exchange for interest income and eventual repayment of your stake. But the increased risk also offers increased opportunities for returns.

Something that I try to remind my clients is that they are their own best assets. You can always do something to improve your skills, your efficiency, your education, your time management, or your prestige within your field. For me, I have invested in my career designation by becoming a Certified Financial Planner.

Perhaps there are designations or degrees in your field that could lead you to potential raises or open new opportunities for you at your job. Alternatively, investing in yourself could mean hiring a coach to help you realize untapped potential. There are many different types of coaches for hire depending on your need. Some coaching examples include: Craft of Strength Cars Just For Fun Outdoors Survival Tactical Skills Browse Manly Skills. Contact Advertise Comment Policy Legal. Built with iThemes Builder on WordPress by Screen Four.