7 Ways to Diversify Your Portfolio Once it Reaches $100,000

Once your investment portfolio reaches $100k, it may be a great time to consider diversifying your assets to potentially reduce risk and maximize returns.

Below are seven trending options to diversify your portfolio that could be worth investing in:

Fine Art

UBS reports a stunning 66% of surveyed high-net-worth individuals allocate over 10% of their portfolios to art according to a survey co-published by UBS and Art Basel. Per Masterworks, Contemporary Art’s impressive track record of outpacing the S&P 500 by 131% over the last 26 years may be just one reason why. Fortunately, you no longer need millions to access this lucrative market.

Thanks to companies like Masterworks, members can now easily invest in shares of multi-million dollar artworks by iconic artists like Banksy and Picasso. Even better, you don’t need to know anything about art because Masterworks’ industry-leading research team identifies which artists’ markets have the most momentum.

According to Masterworks, the approach is paying off with every exit to date profitable, enabling Masterworks to return over $30 million in total to investors since 2019 – even at times when the S&P 500 was down over 20%. With increased demand, Masterworks has a waitlist but our readers can claim a no-obligation membership today at Masterworks.com.

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Treasury Accounts

Another option is to invest in a treasury account. Treasuries (also known as T-bills) are debt securities issued by the U.S. federal government to finance its operations and pay for various initiatives.

Treasury Accounts on Public offer members similar flexibility to a high-yield savings account but are currently offering even higher yields. Unlike a high-yield savings account, Treasury earnings are exempt from state and local taxes, which means you also get to keep even more of your earnings. And, if you need to access your funds, you can sell your treasury at any time — even before maturity. The 26-week T-bill offering in these accounts is currently yielding 4.7% when held to maturity.** Get started putting your cash to work in a treasury account with Public.

Real Estate Investment Trust (REIT)

A REIT (or Real Estate Investment Trust) is a company that invests in income-producing real estate properties on your behalf. An example of a REIT is Fundrise, an online platform where investors can diversify their portfolios by purchasing shares of relatively low-cost real estate investments without the hassle of renovating, buying, or managing the properties themselves. Start investing with Fundrise in less than 5 minutes and with as little as $10 by clicking here.

Gold IRA

Diversify your retirement fund to help safeguard your future through a gold Individual Retirement Account (IRA). Similar to a traditional IRA, a Gold IRA allows you to invest in tax-preferred securities — but instead of holding stocks, bonds, or mutual funds, your account holds physical gold in the form of bullion, coins, or bars. Recently, Gold IRAs have been a popular investment option for Americans looking to protect their retirement from inflation during a volatile economy. Receive a free information kit and learn how to buy gold through a Gold IRA with a trusted custodian such as Goldco by clicking here.

High-yield Savings Accounts

Considered a low-risk investment option, some high-yield savings accounts have recently offered rates as high as 3%-6% in 2023. This means that you can earn more money on your savings without taking on additional risk, as long as you stay within the FDIC-insured limits. Click here to check rates and open a savings account with one of our preferred partners, Discover.

Stocks & ETFs

Easily invest in stocks and ETFs (Exchange Traded Funds) with companies like Public that allow individuals to invest and manage all of their investments in one place — their user-friendly, online platform. Build your portfolio with access to over 9,000 equities, and get the market insights you need to execute your investing strategies with confidence. Get started growing your portfolio with Public by clicking here.

Certificate of Deposit (CD)

Lastly, a potentially great way to save for short or long-term goals is through a Certificate of Deposit (CD) account. A CD is a time deposit account that pays a fixed interest rate over a period of time (generally ranging from 30 days to 5 years), and typically offers higher interest rates than traditional savings accounts. Bread Savings offers competitive rates, and when your CD matures, you’ll have more money to reinvest or to spend toward your best life. To get started, open a Barclays' certificate of deposit in just minutes by clicking here.

Bottom Line

By diversifying your portfolio across different types of investments and asset classes, you can potentially reduce the impact of market volatility and maximize your investment earnings in the long run. It could be beneficial to work with a financial advisor before making any moves to create an investment plan that aligns with your unique goals, risk tolerance, and timeline.

 

Sponsored by Masterworks.

*See important disclosures: masterworks.com/cd

**As of March 24, 2023. Investments in T-bills are not FDIC-insured. No bank guarantee. May lose value.

The information provided on this page is for educational purposes only and is not intended as investment advice.