4 Best Ways to Invest €1 Million in 2020

Samuel Oskys11/01/20206min
You have €1 million cash and you want to invest, but you need to consider the interest you’ll get back, how would you invest this money?

Before going into any type of investing, you will need to think about some vital questions.

What is your financial objective?

There should always be an investment plan which is based around your financial objectives. To accomplish any objective, you must have a clear direction and be ready to take certain risks.

Perhaps your objective is to save up for early retirement, perhaps you’re looking to set your children up for life or maybe you’re looking for a way to generate passive income through various investments.

No matter what the goal is, setting up a clear direction for your objectives will support your decision in making the best €1 million investment.

What is your risk limit?

You need to consider what you can afford to lose. If you cannot afford to lose your investment, then your risk limit is low. If your risk limit is high, that would mean you’re probably “OK” with losing your investment.

Do you have a deadline, if yes, what is it?

A deadline is how long you plan on investing. This will determine the timeline you have in achieving your objective.

If you plan on investing for retirement, then you will need to consider long-term investment options. If you have other plans, then most likely your short-term investments may be the better option.

Best Ways to Invest $1 Million

Real Estate

The most common and probably most reliable form of investment would be rental from real estate. Purchasing real estate investment properties in the right markets could bring massive ROI (Return On Investment) annually.

Real estate properties – usually and depending on economic situations globally or locally – appreciate in value every year by 2 or 3% per year, so if you invested in let’s say in 10 properties worth €100,000 on average, and rented them out for €1,000 per month each, then 5 years down the line you would have gained a good amount of profit, considering all your outgoings also.

Cryptocurrencies and Stock Market

Investing wisely in crypto and stock markets has the potential to generate good returns. The risk here is the fact that they are volatile and experience large and small fluctuations in value. Take for instance Bitcoin that was close to $20,000 back in 2017 and in 2019 the price is just over $7,000.

If you invest big and expect to see big returns, you could lose big lumps of cash too. This is why it’s highly recommended that you spread your investment across different industries or various cryptocurrencies, to create a diverse portfolio and minimize the risk and lessen the losses if any.

Business investments

Investing €1million in a great business idea may prove to be one of the greatest investments you decide to go with, but it’s also a great risk especially when statistics show that close to 30% of business fail in the 2 years and 50% of new businesses fail during the first 5 years.

If you decide to invest in new business and it fails, this would leave you with a €1million debt and if you have no real collateral, then how would you pay this back? In this case, treat this type of investment as venture capital and assume there’s a percentage that you will get your money back.

Exchange Traded Funds

ETFs enable an investor to purchase different stocks instead of stocks related to just one company. Similarly to crypto and stock markets, ETFs provide a diverse portfolio and help with low-level risks when you invest in a number of stocks. Also, if you invest in multiple sectors, you can take advantage of growing markets in one sector if the other one drops.


Disclaimer: HighWorthCitizen.com is not intended to provide legal, tax or investment advice, and nothing on HighWorthCitizen.com should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any asset by HighWorthCitizen.com or any third party. You alone are solely responsible for determining whether any investment, asset or strategy or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.


Image Source by Harrison Global Capital

Samuel Oskys

Sam Oskys is a British born technology enthusiast, automotive lover, artist, author and editor. His inspiration has been his life experiences; his evolution and adaptation in society and life itself and as a result, translated these emotions into art and words within his work in this duration. Writing about trendy, technology, automotive and lifestyle-related material is what he mainly focuses on and he’s currently one of the authors for High Worth Citizen. Contact Sam at +357-22029786 ext: 6115 or by email at [email protected] for editorial related questions.

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