Nate is a serial entrepreneur, part-time investor, and founder of WallStreetZen. He holds a Juris Doctor (JD) degree from UAlberta Law - but don’t hold that against him. He’s passionate about building great software that delights users. He occasionally writes about himself in the 3rd person.
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.
The 12 Best Ways to Invest $300K in 2025
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 the Stock Market
Stocks and ETFs are some of the best-known (and most accessible) income-generating assets.
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 Screener is a great starting point to help you find suitable investments for at least a portion of your $300K.
If you’re not confident in your own stock-picking prowess, get a leg up by subscribing to a stock-picking service. Our Zen Investor service gives you access to a portfolio of up to 30 of the best stocks for the long haul, hand-selected by Steve Reitmeister, former editor-in-chief of Zacks.com with a 4-step process using WallStreetZen tools.
As part of the vetting process, each stock is screened through our proprietary Zen Ratings system, a 115-factor review that helps identify stocks with the highest potential of outperforming the market. Those 115 checks are distilled into an easy-to-read letter grade; from there, you can get more granular by exploring the individual Component Grades that play into the overall score. Stocks rated “A” using this system have historically generated 32.52% annual gains.
One recent winner from the Zen Investor portfolio? Emcor Group (NYSE: EME), which is currently up 27% since it was initially alerted — see its Zen Rating below.
In addition to a portfolio of hand-selected stocks, you also get monthly commentary and portfolio updates, sell alerts if the thesis changes, monthly webinars for members only, and more. And at just $99 per year ($79 for a limited time, using the links in this post), your membership has the potential to pay off quickly. Get started with Zen Investor today
Once you feel ready to enter 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.
eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.
Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 51% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.
This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results.
Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.
Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more
eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.
2. 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).
3. 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 Percent’s signature Blended Note offering, which allows you to spread out your portfolio’s risk by investing in several notes, across a variety of asset classes and geographies, within a single neat investment vehicle.
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, and get up to $500 off your first investment.
4. Invest in Real Estate
Real estate is one of the most common assets people think of when considering where to invest $300K – $400K.
Like the S&P 500, real estate prices tend to go up over 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.
Yieldstreet provides accredited and non-accredited investors access to a wide array of private alternative investments.
The platform offers 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, Yieldstreet recently 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.
As you can see from the above chart, Yieldstreet’s returns are impressive — over the past decade, it has delivered higher returns than a traditional “60/40” portfolio.
One of Yieldstreet’s standout offerings — and happily, one that is available to both accredited and non-accredited investors — is its Alternative Income Fund.
The fund, which launched in 2020, is one of the easiest ways to gain entry to a variety of alternative assets within a single investment — so you can invest in real estate, as well as several of the other investments discussed in this article, in one place. Currently, the fund’s assets include commercial real estate, art, and more. At writing, the AUM is $152 million and the net annualized yield is listed as 8.3% — once again, higher than a “traditional” portfolio has yielded over the past 10 years.
While the minimum investment required for the Yieldstreet Alternative Income Fund is significant — $10,000 — the fact that this is a trusted platform, plus the fact that you get built-in diversity, make it a compelling platform to consider when deciding how to invest $300k.
5. Invest in Private Companies
Investing in private, pre-IPO companies can offer high growth potential, as these businesses are often in earlier stages and may experience rapid expansion. Hiive is our preferred platform, but before discussing why, a little more info on why pre-IPO companies are so appealing.
With lower valuations compared to public companies, there’s an opportunity for significant upside if the company goes public or is acquired. Additionally, investing in private companies provides exposure to innovative technologies and industries, allowing for diversification beyond traditional stock markets.
While the potential rewards are substantial, it comes with higher risks, including illiquidity, limited access to information, and the possibility of the company not succeeding.
Using a high-quality investment platform is crucial. Hiive is a reputable platform for buying and selling shares of private, pre-IPO companies. It offers a transparent marketplace with real-time valuations and has attracted thousands of users, including numerous institutional members.
On Hiive, accredited investors can access shares in many buzzworthy pre-IPO companies, including Open AI, Groq, and Grammarly. You can also check out the most liquid assets on the site’s Hiive50 Index:
Any views expressed here do not necessarily reflect the views of Hiive Markets Limited (“Hiive”) or any of its affiliates. This communication is for informational purposes only, and is not a recommendation, solicitation, or research report relating to any investment strategy or security. Investing in private securities is speculative, illiquid, and involves the risk of loss. Not all private companies will experience an IPO or other liquidity event; past performance does not guarantee future results. WallStreetZen is not affilated with Hiive and may be compensated for user activity resulting from readers clicking on Hiive affiliate links. Hiive Markets Limited, member FINRA/SIPC.
6. 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’t have debt. In fact, bonds go back to the early 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.
eToro securities trading is offered by eToro USA Securities, Inc. (“the BD”), member of FINRA and SIPC. Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk, and content is provided for educational purposes only, does not imply a recommendation, and is not a guarantee of future performance. https://www.wallstreetzen.com is not an affiliate and may be compensated if you access certain products or services offered by the MSB and/or the BD.
But personally, I like to keep bond investing a lot simpler. In my opinion, Public’s Bond Account is the easiest way to gain entry to the bond market.
Public’s Bond Account has an impressive yield considering the caliber of the bonds — 7.3% as of April 2025.
The way it works is pretty simple:
- Fund your account — your deposit will go toward a portfolio of 10 investment-grade and high-yield corporate bonds.
- Get paid monthly! Public’s Bond Account generates a monthly yield; when your income reaches $1,000, it’s automatically reinvested.
- If you hold to the maturity date, you’ll receive the highest yield; however, you can withdraw early.
7. 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.
Learn more about how to invest $300,000 in farmland: check out WallStreetZen’s AcreTrader review.
9. Set Up a High-Yield Savings Account
I know that investing in farmland might be a bit exotic for some people — so let’s get back to the basics.
If you’re looking to invest $300K for passive income, it’s well worth considering a high-yield saving account.
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, I’m a big fan of CIT Bank’s Platinum Savings account. The current APY for accounts with balances of $5,000 or more is 4.35%, which is one of the better rates out there.
I’ve had a CIT Bank account for a few years now, and have always been happy with the prompt interest payments on the first of every month and their stellar customer service department.
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 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.
What About 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 moves in 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.
eToro securities trading is offered by eToro USA Securities, Inc. (“the BD”), member of FINRA and SIPC. Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk, and content is provided for educational purposes only, does not imply a recommendation, and is not a guarantee of future performance. https://www.wallstreetzen.com is not an affiliate and may be compensated if you access certain products or services offered by the MSB and/or the BD.
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.
An Important Note About Debt
Before even consider how invest $400,000 … or $300,000 … or however much, your first order is this: 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.
How to Invest 400k (or 300k): Top Platforms
For investing in fine art | |
For investing in stocks and funds | |
For investing in bond ETFs | |
For investing in private credit | |
For investing in private companies | |
For investing in real estate | |
For investing in farmland | |
For investing in your retirement | |
For high-yield savings | |
For investing in gold | |
For investing in crypto | |
For professional money management + more |
eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.
Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 51% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.
This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results.
Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.
Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more
eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.
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.
FAQs:
How much interest will $300 000 earn a year?
Average interest varies depending on several factors, including federal bank policies and the financial institution you’re working with. Research the quoted interest rates at different banks before deciding where to invest $300K.
Where is the best place to invest 300k?
The best way to invest $300K depends on your risk tolerance and financial goals, but a few popular places where to invest $300K include real estate, bonds, and stocks.
How long will 300k in 401k last?
If you withdraw the recommended minimum of 4% of your 401(k) per year, $300K lasts about 25 years. However, keep in mind you’ll only bring in $12,000 per year using this method, so you’ll need other sources of income.
How much money do I need to invest to make $4000 a month?
The amount you need to invest to make $4,000 a month will vary. For example, if you invest in an instrument with a 5% interest rate, you'd need to invest $960,000 to generate $4,000 per month.
Where to Invest $1,000 Right Now?
Did you know that stocks rated as "Buy" by the Top Analysts in WallStreetZen's database beat the S&P500 by 98.4% last year?
Our April report reveals the 3 "Strong Buy" stocks that market-beating analysts predict will outperform over the next year.
