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How To Invest 250k

If you’re planning to invest a heavy sum of cash, such as 250k, this article is perfect for you as we’ll be running through some of the best investments for such an amount in Australia. If you’re interested, keep reading.

invest 250k australia

Buy A Home

If you have 250k at your disposal, there are many things you can do with such a sum. One of the best investments you can make in life is buying a home. That’s because property would increase in value over time. This is especially true if the area it’s situated in undergoes major development.

You should use your 250k and buy a home in an area that’s growing. It’ll get you the most return as in 10 years as it could triple in value.  If you’re wondering how you can find such a location, it’s easy. It has to be a good neighborhood near urban centres that are constantly developing.

If you like, you can speak to a realtor as they’re specialized in helping clients find listings in specific locations.

Of course, that’s not the only way a property’s value can increase. Once the home is yours, you can renovate it. The renovations you do would make it more attractive and upgrade it. This would make buyers flock to it when you’re selling it, which would drive its value up.

Do You Already Have A Home?

If you already have a home, you can modernize it. Similar to buying a home and doing it up, renovating the place you already call home would bring the property to life.

You can start with the backyard since most Australian families love well-landscaped gardens. Not only will it be easy to tend to, but yards are considerably cheap to do up.

If your home doesn’t have an open floor plan, create one. This is because such designs are popular, and prospective buyers especially look for them.

The kitchen is the heart of the home so ensure it’s up to standard. If it doesn’t have a gas supply, get one as this upgrade would pique the interests of buyers. Most people prefer gas to electric stoves. In terms of your kitchen, if you don’t have an island, you should get one as it’s a current trend as well.

Luxury amenities like a pool and Jacuzzi would skyrocket the property’s value. So, take a leap and add these as well.

With your 250k, you can do all of these things and more.

Invest In Cryptocurrencies

You can also direct a small percentage of you cash to cryptocurrencies. Cryptocurrencies have been one of the most appreciating assets in the last 10 years and they might increase more in the future.. In terms of cryptocurrencies, there are numerous options available.

You should do your research and find one that’s the most suited to you. Moreover, the currency you’re investing in should be stable and look prospective.

If you can’t make a decision, you could invest in the top 10 coins. Bitcoin is the most common cryptocurrency in the market and it’s one of the more stable coins out there.

Since you have 250k, you can easily purchase quite a few coins. People who invested early on, have benefited greatly from cryptocurrencies. You should consider cryptocurrencies as speculation. For example I wouldn’t invest more than 5%-10% of my money into crypto.

Investing in cryptocurrencies can be active. You could study trends and profit from opportunities. But remember that you might end up investing in cryptocurrencies at the wrong time, making you lose cash. The best approach for most people is to invest long term.

To know as much as possible about how to do this, look online for resources. There are many videos on Youtube that can help you find the right strategy . If not, you can speak to people with experience as they can guide you.

Buy Stocks

Similar to Bitcoins, you can invest in stocks as well. Buying stocks too, is an art. If you go into it without doing any prior research, you’ll lose money. So, look online for resources.

Stockbrokers are an option if you don’t want to study the market. They do the bidding for you and help you decide which stocks are worth your attention. As you can imagine, they’re vital to how well you do. So, you should heavily research them before you take the leap as you don’t want to be stuck with someone who doesn’t know what they’re doing. Hence, direct your attention to reputable brokers, such as these instead of smaller names like Robinhood.

250k is a large amount. So, you can purchase shares in bulk from a company. Instead, you could  buy fewer shares from a more expensive, reputable name.

When the company does well, you’ll get a heavy return on the cash you’ve spent. However, this isn’t the only way you benefit from stocks. If you buy a lot of them, you’ll get more dividends from the company. Dividends are shares of profits the company gives you according to how much of them you own.

Get A Fixed Term Deposit

You can get a lot of interest if your 250k is in a fixed-term deposit. The account will keep the cash locked while interest is added. The interest added is substantial, especially if the sum you’re adding is huge. In your case, this is what will happen as 250k is a large amount.

As mentioned, fixed deposits are locked. This means you can’t access the account until a certain period is over. If you claim funds from the account before this period, you’ll be penalized and made to pay a penalty fee.

Fixed deposits aren’t available only in banks. Instead, finance houses offer them as well. If you open such an account in a finance house, you’ll benefit greatly as they offer larger interest rates than banks. However, you have to be careful as they’re private bodies and not regulated by the government.

Mutual Funds

Mutual funds are a great way to invest large sums of cash. Here, you will place your money with a manager. They will accumulate cash from you and other investors and buy shares with them. In the long run, you’ll have access to more stocks than buying shares yourself. Thus, you can increase the dividends you’re getting.

Mutual funds are a low-risk investment method that many people utilize. It’s especially common in developed countries such as Australia as it brings great returns to traders.

Mutual funds work well if you contribute a large amount or even a small one since the cash is pooled in with others. So, you’re getting more shares than you would with the little cash you’ve contributed.


Gold is a major investment. The gold market is one of the largest in the world and it’s incredibly stable. You should think about investing in it by buying gold bars. It is more likely to appreciate over time, so you can sell it when it’s at its peak.

If you have 250k, you can buy a lot of gold, getting you a larger return. However, be careful as the gold you buy should be genuine.

If you’re not a fan of buying gold bars, you can purchase jewelry. It’ll grow over time when the price of gold increases.

Best Way To Invest 250k In Australia

You can see that there are countless ways to invest 250k in Australia. The best way to do this is by:

  • Buying gold
  • Investing in mutual funds
  • Investing in stocks
  • Putting the cash in a fixed deposit
  • Buying cryptocurrencies
  • Purchasing a property
  • Doing up your home

If you have a smaller budget, check out the invest 20k article.