# Five Investment Types To Try in 2022 Author: Pal Sinha, Barnali Author URL: https://financedigest.com/author/pal-sinha-barnali Published: 2022-01-28 Category: INVESTING Category URL: https://financedigest.com/category/investing Meta Title: 5 Types of Investments to Diversify Your Portfolio Meta Description: Discover five types of investments to consider when diversifying your portfolio, including bonds, annuities, real estate, and gold. Start investing wisely URL: https://financedigest.com/five-investment-types-to-try-in-2022html ![undefined](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/istock-1163982506-1736816276985-compressed.jpg) If you’re just diving into the world of investing for the first time, it can be challenging to know where to start. It may seem complicated and daunting. But, fortunately there are many easy ways to get into investing without too much trouble. Even if you’re a seasoned investor, it can be helpful to find new [ways to branch out and diversify your investments](https://www.financedigest.com/10-ways-to-put-together-a-killer-investment-pitch.html "10 WAYS TO PUT TOGETHER A KILLER INVESTMENT PITCH"). Here are five types of [investments to consider when diversifying your portfolio](https://www.financedigest.com/three-fundamental-tips-to-enhance-your-investment-portfolio-performance.html "Three fundamental tips to enhance your investment portfolio performance"). **Bonds** Bonds are a popular choice for investment. They’re a [debt security where you are essentially lending money to the bonds](https://www.financedigest.com/green-bonds-are-set-to-drive-corporate-esg-debt-out-of-slump-in-2023-barclays.html "Green bonds are set to drive corporate ESG debt out of slump in 2023 -Barclays") issuer, that they will eventually pay back to you with a special rate of interest at a later date. There are a few common types of bonds available today, including: - Corporate - High yield - Municipal - U.S. treasuries Bonds can be a great investment. They are not without their risks, so do some research and follow up when dealing with bonds. The last thing you want is to have interest or [inflation risk](https://www.financedigest.com/high-inflation-recession-risk-widen-ecb-dilemma.html "High inflation, recession risk widen ECB dilemma") by dealing with bonds. Fraud can also be an inherent risk of dealing with bonds, so it is wise to protect yourself and use [financial advisors](https://www.financedigest.com/how-mifid-ii-will-impact-financial-advisor-communications.html "HOW MIFID II WILL IMPACT FINANCIAL ADVISOR COMMUNICATIONS") when going down this route. **Annuities** [Annuities can be a worthwhile investment for retirement](https://www.financedigest.com/5-annuity-tips-to-know-for-2023-retirement-planning.html "5 Annuity Tips to Know for 2023 Retirement Planning"). According to Experian, annuities are [a kind of insurance](https://www.experian.com/blogs/ask-experian/are-annuities-good-investment/) that pays out during retirement. They can have fixed rates, variable rates, or act like a paycheck. Essentially, you contribute to the annuity and then it [pays out to you over time](https://www.financedigest.com/why-it-pays-to-pay-on-time-the-impact-of-delayed-payments-on-supplier-relationships.html "Why it pays to pay on time: The impact of delayed payments on supplier relationships"). Annuities also don’t really have contribution limits for the most part, making them a good supplement to an IRA or a 401K. When combined with Social security payments, any savings you might have, other investments, and any retirement accounts annuities can offer a source of [financial security](https://www.financedigest.com/wrapping-financial-services-in-a-security-blanket.html "Wrapping Financial Services in a Security Blanket") throughout your retirement. [**Real Estate**](https://www.financedigest.com/from-static-office-to-dynamic-brand-hq-five-steps-to-reviewing-your-real-estate.html "From static office to dynamic brand HQ: Five steps to reviewing your real estate") Real estate is a popular and somewhat complex investment that can [end up being a source](https://www.financedigest.com/exclusive-germany-prepares-crisis-plan-for-abrupt-end-to-russian-gas-sources.html "Exclusive-Germany prepares crisis plan for abrupt end to Russian gas – sources") of decent revenue. Renting out a property you own, [investing in a rental property](https://www.financedigest.com/battling-uncertainty-is-the-key-to-property-investment-success.html "Battling uncertainty is the key to property investment success"), or even renting out a room in your current home are all viable options to earn some money through real estate investment. House flipping is another possibility, which can end up being very profitable [under the right circumstances](https://www.ramseysolutions.com/real-estate/how-to-flip-a-house#:~:text=Find%20expert%20agents%20to%20help,than%20you%20paid%20for%20it.&text=If%20you%20decide%20to%20flip,t%20want%20to%20lose%20money.). A real estate [investment trust (REIT) gives investors the opportunity to get into real estate without owning physical property](https://www.financedigest.com/brexit-no-obstacle-as-chinese-overseas-property-investment-doubles.html "Brexit no obstacle as Chinese overseas property investment doubles"), while real estate syndication is a method of crowdfunding for an investment property. Many savvy investors deal in [real estate as part of their portfolio and it’s definitely with checking out for diversifying](https://www.financedigest.com/u-s-money-reserve-reviews-real-talk-about-diversifying-with-precious-metals.html "U.S. Money Reserve Reviews: Real Talk About Diversifying With Precious Metals") yours. **Gold** Many people like to also invest in various [precious metals](https://www.financedigest.com/best-paying-jobs-in-precious-metals.html "Best paying jobs in precious metals"). These may include silver, platinum, and gold. Gold is a popular choice due to its strong inflation to resistant [properties and how well it can maintain its value](https://www.financedigest.com/how-a-garden-can-boost-your-property-value.html "How a garden can boost your property value") over time. Although [gold futures, stocks, mining futures, exchange-traded funds, and certificates are often popular choices for gold investments](https://www.financedigest.com/uk-gold-investment-startup-minted-partners-with-lux-rewards.html "UK gold investment startup, Minted, partners with LUX Rewards"), physical gold is a good option. Physical gold [stays with you or in your own safe](https://www.financedigest.com/the-three-must-haves-of-cyber-security-that-you-need-to-stay-cyber-safe.html "The three “must haves” of cyber security that you need to stay cyber safe") storage and can be bought or sold at your convenience. Gold also can be purchased as fine gold (.999 gold) or as pure gold (which is .9999). There are myriad options for purchasing physical gold. These include jewelry, bullion, coins, and gold bars. It’s easy to [acquire one or more 5 gram gold bars](https://www.scottsdalemint.com/product/5-gram-scottsdale-gold-bar-certi-lock-9999-gold-by-scottsdale-mint/)for a reasonable price. Savvy [investors can buy one or more high-quality gold bars](https://www.financedigest.com/gold-investors-face-bind-over-bars-from-tarnished-russia.html "Gold investors face bind over bars from tarnished Russia") that are elegant, secure, and worth the investment in the long run. [**Retirement Plans**](https://www.financedigest.com/should-i-roll-my-old-retirement-plans-into-a-roth.html "Should I Roll My Old Retirement Plans into a Roth?") Have you given much thought to your retirement? If you’re like most of us, you may not have thought about it much. But rest assured: [planning for retirement](https://www.financedigest.com/5-retirement-planning-mistakes-to-avoid.html "5 Retirement planning mistakes to avoid") is an absolute essential. With the [cost of living](https://www.financedigest.com/malaysias-new-pm-anwar-says-first-priority-is-cost-of-living.html "Malaysia’s new PM Anwar says first priority is cost of living") always rising and inflation rearing its head, it’s always wise to plan ahead. [Retirement accounts](https://www.financedigest.com/what-options-do-i-have-for-retirement-accounts.html "What Options Do I Have for Retirement Accounts?") such as an IRA or a 401K are perfect for planning ahead. A 401k is usually offered through an employer and may [offer an employer match](https://www.financedigest.com/philip-morris-offers-eu-concessions-in-16-billion-swedish-match-deal.html "Philip Morris offers EU concessions in billion Swedish Match deal"). 401K accounts cannot be subject to [market volatility](https://www.financedigest.com/italys-a2a-trims-green-investment-plan-citing-economy-volatile-markets.html "Italy’s A2A trims green investment plan citing economy, volatile markets"), however, so you’ll need to make sure that you’re keeping abreast of market trends. Contributing to a 401k is painless and almost passive. It is a wise [investment for a certain percentage of your pre-tax pay](https://www.financedigest.com/sainsburys-pays-524-million-for-full-ownership-of-store-investment-vehicles.html "Sainsbury’s pays 4 million for full ownership of store investment vehicles"), especially if you have yet to reach retirement age. An IRA is also a good investment. Although many types of IRA’s exist, Roth IRA’s are quite popular with plenty of [savings and tax benefits](https://www.irs.gov/retirement-plans/roth-iras). Each type of retirement count has age restrictions for when you can take dispersals, but ultimately they will help you build a nest [egg for the future](https://www.financedigest.com/egg-incubator-market-extensive-analysis-of-key-segments-of-the-industry-and-emerging-growth-factors-with-current-trends-and-future-estimations.html "Egg Incubator Market: Extensive Analysis Of Key Segments Of The Industry And Emerging Growth Factors With Current Trends And Future Estimations"). **This is a Sponsored Feature.** --- This blog is powered by Superblog. Visit https://superblog.ai to know more. ---