5 Best Long-Term Investments 2023 (2024)

2022 was a rough year for investors. But that year is in the rearview mirror, and it’s time to focus on the best long-term investments for 2023.

Many investors watched their portfolios decline last year. Maybe you were one of them, but that doesn’t need to be the case in 2023. That’s because when you invest for the long term, the short-term declines become less important.

But that never means throwing caution to the wind. With the uncertainty that still grips the financial markets, it’s important to settle on the right mix of investments to maximize growth in your portfolio.

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5 Best Long-Term Investments 2023 (2)

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What to invest in right now for the long term

There are dozens of potential investments for you to hold in your portfolio. But it’s more important to select a small number likely to produce the best returns.

1. Exchange Traded Funds (ETFs)

ETFs have grown to become one of the most popular investments. Not only does each one enable you to invest in a diversified portfolio of securities, but funds are available that cover hundreds of different asset classes.

Unlike mutual funds, ETFs can be traded just like stocks and purchased for the price of a single share or less. That makes it easy to diversify your portfolio with even a small amount of money. J.P. Morgan Self-Directed Investing Platform can give you the tools to help you evaluate the best choices.

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“I would suggest that people with a long-term time horizon invest in diversified, low-fee index funds,” recommends Robert R. Johnson, Ph.D., CFA, CAIA, Professor of Finance, Heider College of Business, Creighton University. “From 1926 through 2022, according to Ibbotson Associates, the compound annual rate of return of a diversified portfolio of large stocks (the S&P 500) was 10.3%.”

That’s an example of the returns in the general stock market. Specific sectors can have even higher yields.

“Investing in a diversified basket of small stocks provides even greater returns,” continues Johnson. “The compound annual rate of return of a basket of small stocks over those 95 years according to Ibbotson Associates was 11.9%.”

Some ETFs specialize in growth stocks, dividend stocks, value stocks, international stocks, and sector funds, like technology and healthcare. You can simply choose which asset classes you want to hold in your portfolio.

“The future is too uncertain for a single security or asset class,” adds Robert Michaud, Chief Investment Officer of New Frontier Advisors. “The best long-term investment is a diversified portfolio of stock and bond ETFs optimized for your long-term goals. If that’s not available, pair a global stock ETF with an aggregate bond ETF to manage risk.”

2. Dividend Stocks

Dividend stocks are among the best stocks to buy now. A big reason is they have a history of weathering stormy markets better than other stocks, like growth stocks.

“Given the current macroeconomic uncertainty, dividend-paying blue chip stocks are the preferred choice for this year,” advises Sam Boughedda, Equities Trader and Lead Stock Market News Writer at AskTraders.com. “They provide investors with a potential return on their investment in an unstable market. Well-known, high-quality companies provide some stability in the current unstable environment, with companies such as Apple, Mastercard, Visa, and Walmart being some of the better choices, in our opinion.”

You can do this by investing in a class of dividend stocks known as the Dividend Aristocrats. This is a group of more than 60 companies that are part of the S&P 500 and have produced at least 25 consecutive years of dividend increases.

The website Sure Dividend provides an updated list of these stocks each year. You can choose to invest in the companies you like or invest in the entire group through an ETF. The ProShares S&P 500 Dividend Aristocrats ETF (NOBL) is a popular example.

M1 Finance offers an all-encompassing investment solution, comprising a user-friendly mobile app and a desktop platform, aimed at demystifying and facilitating investing for individuals of all expertise levels. This empowers you to select your preferred dividend stocks with confidence. Additionally, M1 Finance provides automatic dividend reinvestment, ensuring your investments remain fully engaged at all times.

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3. Short-term Bonds

Historically, long-term bonds have provided higher interest than short-term bonds. But that’s not the case in 2023.

The table below shows the yield on US Treasury securities for the month of October, through the 23rd.

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Notice that the latest return on a two-year Treasury note (5.57%) is slightly higher than that of the 30-year Treasury bond, at 5.01%. The range on all shorter-term securities, ranging from one month to two years, is higher than the yield on both the 30-year bond and the 10-year note.

This is what is known as an inverted yield curve. It’s not a common situation, but it is the current order of the day. And it favors investing in short-term bonds over the long-term variety.

“We can examine the yield curve about market expectations and use that information to improve our odds of a higher-than-market total return,” says John Cunnison, CFA and VP/Chief Investment Officer at Baker Boyer National Bank. “Currently, the yield is inverted, and that suggests that we are not being paid enough to own longer bonds. We accept a discount for owning longer bonds. For that reason, you should keep your duration on the shorter side of normal.”

There’s another advantage to shorter-term bonds. In a rising interest rate environment, longer-term bonds decline in market value. This is at best a minor problem with shorter-term securities, particularly those with durations of two years or less.

In that way, short-term bonds pay high interest while preserving your capital.

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5 basis points per month based on the average daily balance of your Treasury account.

4. Real Estate

Real estate is always competing with the stock market as the best long-term investment vehicle. In 2023, that competition shows no signs of changing anytime soon.

You can invest in individual properties, but that does require both a large amount of capital and hands-on management.

A much simpler way, and one that fits better within a portfolio, is to invest through real estate crowdfunding platforms.

“Historically, real estate has always been the best-performing asset class,” notes Patrick Donoghue, Vice President, Market Risk at Groundfloor Finance. “One of the best ways to invest is through private capital real estate deals. We’ve seen consistent 10% annualized returns across our portfolio. With fractional real estate investing, you can invest $10,000 at $100 each into 100 different projects and be well-diversified.”

Real estate crowdfunding platforms are a way to invest in property while getting the benefit of professional property management.

One of the best options in today's market is RealtyMogul. RealtyMogul is a crowdfunding platform for buying and selling commercial real estate. The platform is good for accredited and nonaccredited investors alike.

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A similar way is to invest in real estate investment trusts or REITs. These are funds that invest primarily in commercial real estate. That can include office buildings, retail space, large apartment complexes, and similar properties.

REITs trade like stocks and generally offer high dividend yields, as well as the potential for capital appreciation. It’s also an opportunity to invest in a portfolio of properties, which offers greater diversification than purchasing a single piece of real estate.

5. Alternative Assets

This category of investment assets has been growing in recent years. As it has, more opportunities have arisen for small investors to participate.

In general, alternative assets take in investments beyond stocks, real estate, funds, bonds, and other fixed-income assets. It can include private equity, fractional ownership of real property, precious metals, cryptocurrencies, and other assets.

“Our thesis is that the historical 60/40 equity/bond allocation is no longer a viable strategy,” advises Milind Mehere, Founder & Chief Executive Officer at Yieldstreet. “Increased correlations across assets and sectors lead to boom/bust outcomes. We recommend enhanced diversification through alternative investments, which provide reduced correlation and increased return potential in a modern portfolio of, say 40/30/30 equities, bonds, and alternatives, respectively. This modern portfolio is more accessible to investors than ever, including the ability to invest in alternative asset classes (such as real estate, private credit, and private equity) within tax-advantaged accounts.”

Yieldstreet is another crowdfunding investment platform offering alternative investments such as commercial, legal and art. Another excellent option for investing in art and diversify your portfolio is Masterworks. Masterworks will make investing in artwork easy, as it offers research and resources and provides users with a easy-to-use interface.

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If you do invest in alternatives, you should limit your position in any single asset class. Though alternatives have significant profit potential, they carry commensurately greater risk. For example, if you want to invest 10% of your portfolio in alternatives, you may want to split the allocation among five or more asset classes.

”By including an allocation to alternatives, an investor can further diversify their holdings—which is known to decrease a portfolio’s overall risk,” agrees Travis Forman, Portfolio Manager at Strategic Private Wealth Counsel, Harbourfront Wealth Management. “Should this year be just as tumultuous as the last, diversification will be key to protecting against market selloffs and volatility. Alternative investments include assets such as real estate, infrastructure, private equity, venture capital, hedge funds, private debt, and more.”

How to best invest for the long term

Investing is partially about choosing the right investments, but also about implementing the right strategies.

The following tips should help you be a better investor over the long term.

Plan to be in for the long term

Investing is much like building a business, in that it requires a long-term commitment. That will mean disregarding short-term dips in favor of a committed long-term outlook.

You should plan to be a regular investor, committing fresh capital even when the market is down. History has shown again and again that the markets eventually recover. But you’ll only be able to take advantage of the next surge if you’re in the market even when the outlook seems uncertain.

Know your risk tolerance

At its core, risk tolerance is your emotional ability to live with the risk of a declining market. Before you even begin investing, you should start by determining your risk tolerance.

Risk tolerance levels range between conservative and very aggressive, with several iterations in between. Knowing where you fall on the risk tolerance spectrum will be critical in developing a portfolio you’ll be comfortable with.

For example, if you’re more conservative, you should slant your portfolio in favor of bonds and dividend stocks. But if you’re more aggressive, you should favor growth stocks.

Vanguard offers a free Investor Questionnaire to help you determine your risk tolerance. Based on the answers you provide Vanguard will recommend one of nine asset allocations. You can then build your portfolio based on those allocations with the investment broker of your choice.

Diversify

When dividend reinvestment is included, the S&P 500 declined by 18.64% in 2022. No matter how optimistic you may be going forward, another decline in 2023 can’t be ruled out.

That’s why it’s important to be diversified, and that means investing beyond stocks alone. Even if the stock market begins to recover rapidly in the coming months, maintain adequate positions in both fixed-income investments and cash.

Not only will those positions minimize the impact of unexpected market declines, but they’ll also provide you with liquidity to take advantage of stocks at lower prices.

Keep contributing to your investment accounts

Investing is a strategy, not an event. You should have a plan in place to make regular contributions to your investment accounts. Contributions plus investment gains are the closest things to a secret sauce when it comes to investing. It gives you the benefit of growth coming from two different directions.

This is easy to do if you participate in an employer-sponsored retirement plan. Regular contributions into a 401(k) or equivalent program are easy and automatic.

But you can do the same thing with a traditional or Roth IRA, or even a taxable investment account, by setting up regular direct deposits from your paycheck.

One of the unexpected benefits of making regular contributions is taking advantage of dollar-cost averaging. Because your contributions will be a fixed amount, you’ll automatically buy more shares at lower prices and fewer shares at higher prices.

Fees matter!

If funds make up most of your portfolio, you’ll need to be aware of the fees involved. That will apply to either ETFs or mutual funds. Those fees can range from near zero to 1% or more per year. These aren’t just a cost of investing, but they also reduce your investment earnings.

If you invest in a fund with an average annual return of 7% and an expense ratio of 0.75%, your net annual return will be 6.25%. Over 20 years, a $10,000 investment will grow to $33,618.

If instead, you invest in a similar fund, also with an average annual return of 7% but with an expense ratio of 0.25%, your net annual return will be 6.75%. Over 20 years, the $10,000 investment will grow to $36,928.

The difference of $3,310 will represent the higher cost of the fund with the high-expense ratio.

By choosing a fund with a low expense ratio, you’ll win by default.

To get an accurate understanding of fund fees take advantage of the Fund Analyzer tool provided by FINRA. It provides analysis of more than 30,000 funds, helping you to choose those with lower fees.

Hire a financial advisor

If you want to invest and you have the cash to do it, but you’re not confident in your ability to manage your portfolio, consider hiring a financial advisor.

A good financial advisor will evaluate your risk tolerance, future goals, time horizon, and other obligations. That information will be used to create a portfolio that will best suit your unique investment style and preferences. Meanwhile, the advisor will provide ongoing management so you’ll be free to tend to everything else in your life.

If you’re not sure where to begin your search, WiserAdvisor provides an online database of financial advisors from both Fortune 500 companies and small independent firms. All advisors are subject to a qualification process to be eligible for inclusion in the network. You can also check out SmartAdvisor from SmartAsset. They provide a financial advisor matching tool webpage to help you find the right advisor for your needs and preferences.

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5 Best Long-Term Investments 2023 (15)

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Alternatively, you can invest through robo-advisors. These are online, automated investment platforms that provide complete portfolio management at a very low annual fee. They’re perfect for smaller investors who lack the minimum portfolio size – sometimes $500,000 or higher – traditional financial advisors require.

Long-term investing is a long game

You don’t need to be a financial wizard to be a successful investor. But you do need to know the best long-term investments and have general strategies to manage them effectively.

Choose some of the investments and follow some of the strategies in this article. But if you don’t feel comfortable doing this on your own, don’t hesitate to engage the services of a good financial advisor.

Nothing less than your future financial success hangs in the balance. No matter what your investing history may be, you have an opportunity to increase the odds in your favor by making the right choices now.

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As an enthusiast with a demonstrable depth of knowledge in finance and investments, I can provide insights and evidence-backed information on the concepts discussed in the article. My expertise is rooted in understanding financial markets, investment strategies, and the dynamics of various asset classes. Now, let's delve into the key concepts presented in the article:

  1. Investing for the Long Term: The article emphasizes the importance of focusing on long-term investments, especially after a challenging year like 2022. Long-term investing allows investors to weather short-term market fluctuations and capitalize on the potential for growth over an extended period.

  2. Diversification: Diversifying one's investment portfolio is highlighted as a key strategy for maximizing growth while managing risk. This involves spreading investments across different asset classes to avoid reliance on the performance of a single security or sector.

  3. Exchange Traded Funds (ETFs): ETFs are recommended as a popular investment vehicle. These funds offer the ability to invest in a diversified portfolio of securities. Unlike mutual funds, ETFs can be traded like stocks, providing flexibility for investors. The article suggests considering diversified, low-fee index funds for long-term investments.

  4. Dividend Stocks: Dividend stocks, particularly those of blue-chip companies and Dividend Aristocrats, are highlighted for their potential to provide stable returns, especially during market uncertainty. The Dividend Aristocrats are a group of companies with a history of consistently increasing dividends.

  5. Short-term Bonds and Inverted Yield Curve: The article discusses the current scenario of an inverted yield curve, where short-term bonds offer higher yields than long-term bonds. This situation is seen as an opportunity to invest in short-term bonds, which not only offer high interest but also protect capital in a rising interest rate environment.

  6. Real Estate: Real estate is presented as a long-term investment option, with a focus on real estate crowdfunding platforms. These platforms allow investors to participate in private capital real estate deals and benefit from consistent returns. Additionally, investing in Real Estate Investment Trusts (REITs) is highlighted for diversification and potential capital appreciation.

  7. Alternative Assets: The article introduces the concept of alternative assets, such as private equity, fractional ownership of real property, precious metals, and cryptocurrencies. Alternative investments are recommended for enhanced diversification and reduced correlation with traditional asset classes.

  8. Investment Strategies: The article provides several strategies for long-term investing, including planning to stay invested for the long term, knowing one's risk tolerance, diversifying the portfolio, regularly contributing to investment accounts, and being mindful of fees associated with investment funds.

  9. Financial Advisors and Robo-Advisors: The importance of seeking professional advice is highlighted, whether through hiring a financial advisor or utilizing robo-advisors. Financial advisors can help tailor investment strategies based on individual risk tolerance, goals, and time horizon.

  10. Risk Management: The article emphasizes the need for investors to be aware of their risk tolerance and align their portfolios accordingly. It suggests adjusting asset allocation based on risk tolerance, with more conservative investors favoring bonds and dividend stocks, while aggressive investors may lean towards growth stocks.

By combining these concepts, investors can build a well-rounded and diversified portfolio tailored to their financial goals and risk tolerance. The recommendations provided in the article are based on historical data, expert opinions, and an understanding of current market conditions.

5 Best Long-Term Investments 2023 (2024)

FAQs

What is the best place to invest money in 2023? ›

9 ways to invest your money in 2023
  • Robo-advisors.
  • High interest savings account.
  • Index funds.
  • Government bonds.
  • Micro investment.
  • Property.
  • Cryptocurrencies.
  • Forex.
Jan 15, 2024

Where to invest $5,000 for the next 5 years? ›

Here are seven of the best ways to invest $5,000:
  • S&P 500 index funds.
  • Nasdaq-100 index ETFs.
  • International index funds.
  • Sector ETFs.
  • Thematic ETFs.
  • Real estate investment trusts (REITs).
  • Investing with the greats.
Mar 1, 2024

Which investment is best for next 5 years? ›

Here are some of the top investment options for the best investment plan for 5 years:
  • Bank and Post Office Fixed Deposit (FD) ...
  • Recurring Deposit. ...
  • 5-Yrs National Savings Certificate. ...
  • Monthly Income Schemes. ...
  • Mutual Funds. ...
  • Equity Linked Savings Scheme. ...
  • Unit Linked Insurance Plan. ...
  • National Savings Certificate.
Mar 19, 2024

What is the next big thing to invest in for long-term? ›

Real estate. Overview: Real estate has long been considered one of the best long-term investments. It takes a good bit of money to get started, the commissions are quite high, and the returns often come from holding an asset for a long time and rarely over just a few years.

Where to invest $50,000 for 3 years? ›

Stash it in a high-yield savings account or CD

CDs let you lock in an interest rate for a specific period, typically three to 60 months. You'll pay an early withdrawal penalty if you need your cash sooner, so CDs are best for money you won't need immediately.

What is the safest investment with the highest return? ›

Here are the best low-risk investments in April 2024:
  • High-yield savings accounts.
  • Money market funds.
  • Short-term certificates of deposit.
  • Series I savings bonds.
  • Treasury bills, notes, bonds and TIPS.
  • Corporate bonds.
  • Dividend-paying stocks.
  • Preferred stocks.
Apr 1, 2024

How to double $5,000 quickly? ›

To turn $5,000 into more money, explore various investment avenues like the stock market, real estate or a high-yield savings account for lower-risk growth. Investing in a small business or startup could also provide significant returns if the business is successful.

How to invest $100,000 for quick return? ›

If you want to put $100,000 into a short-term investment, here are six options worth considering:
  1. High-Yield Savings Account. ...
  2. Money Market Funds. ...
  3. Cash Management Accounts. ...
  4. Short-Term Corporate Bonds. ...
  5. No-Penalty Certificates of Deposits (CD) ...
  6. Short-term U.S. Government Bonds.
Mar 7, 2024

How to get double money in 5 years? ›

As a rate of return, long-term mutual funds can offer rates between 12% and 15% per year. With these mutual funds, it may take between 5 and 6 years to double your money. Kisan Vikas Patra (KVP): It comes under the Post Office Small Saving Scheme.

Where can I get 10 percent return on investment? ›

Investments That Can Potentially Return 10% or More
  • Stocks.
  • Real Estate.
  • Private Credit.
  • Junk Bonds.
  • Index Funds.
  • Buying a Business.
  • High-End Art or Other Collectables.
Sep 17, 2023

How to earn 12 percent interest? ›

Here are five easy-to-understand investment options that have the potential to generate a steady 12% returns on investment:
  1. Stock Market (Dividend Stocks) ...
  2. Real Estate Investment Trusts (REITs) ...
  3. P2P Investing Platforms. ...
  4. High-Yield Bonds. ...
  5. Rental Property Investment. ...
  6. Way Forward.
Jul 20, 2023

What is the safest investment right now? ›

  • Treasury Inflation-Protected Securities (TIPS) ...
  • Fixed Annuities. ...
  • High-Yield Savings Accounts. ...
  • Certificates of Deposit (CDs) Risk level: Very low. ...
  • Money Market Mutual Funds. Risk level: Low. ...
  • Investment-Grade Corporate Bonds. Risk level: Moderate. ...
  • Preferred Stocks. Risk Level: Moderate. ...
  • Dividend Aristocrats. Risk level: Moderate.
Mar 21, 2024

Which stock will double in 3 years? ›

Stock Doubling every 3 years
S.No.NameCMP Rs.
1.Guj. Themis Bio.384.75
2.Refex Industries141.30
3.Tanla Platforms941.15
4.M K Exim India76.69
10 more rows

Which investment gives highest return? ›

20 Best Investment Options in India in 2024
Investment OptionsPeriod of Investment (Minimum)Returns Offered
Stock Market TradingAs per the investment Profile7- 20%
Mutual FundsMin. 3 years for ELSS8-20% p.a.
GoldAs per the investment Profile13% Avg. Returns in 2023)
Real EstateAs per the investment Profile6-12% p.a.
14 more rows

What is the best investment for 2024? ›

11 best investments right now
  • High-yield savings accounts.
  • Certificates of deposit (CDs)
  • Bonds.
  • Money market funds.
  • Mutual funds.
  • Index Funds.
  • Exchange-traded funds.
  • Stocks.
Mar 19, 2024

Is 2023 a good year for investing? ›

There are typically two outcomes as to what happens after an awful year like 2022—you get a bounce-back recovery, or the bad times continue. Luckily, 2023 was the former not the latter. Expected returns were higher and actual returns followed suit.

Which asset to invest in 2023? ›

Ed Monk
Asset2023 year-to-date (%)2022 (%)
US equities14.78-7.79
Global equities11.31-7.62
European equities (ex. UK)10.87-6.86
Japaenese equities9.94-5.76
11 more rows
Dec 14, 2023

What is the safest place to keep your money 2023? ›

Rather, we'll cover some of the easiest ways to keep a portion of your cash secure.
  1. Bonds. Bonds are like IOUs. ...
  2. Certificates of deposit (CDs) ...
  3. Money market funds. ...
  4. Money market accounts (MMAs) ...
  5. High-yield savings account. ...
  6. Paying off existing debt.
Jan 19, 2023

What stocks should I invest in 2023? ›

Coinbase, Nvidia, Palantir, and other tech names dominate the list of the year's best stocks. Amid a strong stock market rally in 2023, Coinbase COIN performed best among U.S.-listed stocks covered by Morningstar analysts, as the cryptocurrency exchange platform rebounded from a steep downturn in 2022.

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