5 Ways To Let Your Money Make Money For You? Let’s do some finance.

best ways to invest online

Are you investing your blogging income?

Or you just sit and relax when money gets transferred to your bank account?

If latter is the case, let me tell you that you are losing 1% – 1.5% annually. Isn’t that strange?

Yes, it’s but that’s the truth.

Here in India, inflation rate is around 5.86% (approx.) while bank offers 4% interest rate on deposits which means I lose 1.86% of my income if I keep that money in bank.

Suppose, I make $1000 monthly from my blog which makes $12000 a year and I lose $180 (1.5% of $12000) monthly if I keep that money in my bank. 

Obviously, $180 is not directly deducted from my bank account but I lose that money in a different way. Inflation reduces my purchasing power and I’ll be able to buy less of the quantity in future that I can buy now.

To cover that you need to make your money beat inflation rate which can only be done by investing your money and not just saving your money.

Before getting started with 5 ways to invest your blogging income, let me clear one fact ‘The higher risk you take the more return you earn’.

Below is one ultimate quote by Paul Samuelson which explains the complete story in a single line :

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.”

– Paul Samuelson

The above quote clearly explains that you should not expect immediate returns from your investments. It takes time. Depending on your investments, it might take years to deliver you returns.

So, let’s begin with how you can invest your blogging income to let it make money for you and beat inflation as well.

5 Ways To Invest Your Blogging Income

1. Stocks

I invest a lot in equities. But hang on, it’s risky!

Yes, very risky!

Thus, you can get the highest return from buying shares.

For that you need to have a good knowledge about markets and you need to keep yourself updated with the happenings in the company you’re holding shares in.

You need to get into a habit of reading financial newspaper daily. As Benjamin Graham said “An investment in knowledge pays the best interest.”

Don’t get greedy if you invest in stocks. You need to keep your emotions and opinions aside while investing in stocks. Opinions should separated from facts. Your investment decision should be truly based on facts, not opinions.

You need to learn the basics of how to analyze company’s financial statements, management and corporate governance.

The path I use for stock picking is that I see which industry is in trend and have good earnings growth, and then from that industry, I select the companies with due diligence.

This approach is known as ‘Top-bottom’ approach. 

How you should start investing in stocks?

Investing in stocks have worked best for me. But here are my suggestions to you before you start buying shares :

  • You should have a long term view. As an investor, you should have patience and must have a long term horizon. Stock markets keep fluctuating due to irrational behaviour by investors. If investors are pessimistic, they sell and market indices fall while if investors are optimistic, they buy and market indices rise. Therefore, you have to buy from pessimistic and sell to the optimistic. This is also known as value investing. 
  • Don’t follow the herd. If you heard somewhere that a particular company target price has fallen, you should perform a due dilligence and then make an investment decision. 

If you’re too busy into your work and not able to do all the above task. I would suggest you to subscribe to a REPUTED stock newsletter. You can buy on their suggestions based on their research without spending much of your time in company analysis.

I would suggest you to start with mutual funds before directly investing in stocks. 

2. Mutual Funds

Mutual funds is an investment programme that trades in diversified holdings and is professionally managed. Money pooled by a large number of investors is known as mutual fund.

Now, the difference between direct investing and investing through mutual funds is that mutual funds are professionally managed by an experienced fund manager whose compensation is dependent on the returns he drives to the investors. He applies his skills to drive the best return for your investment.

I invest in mutual fund through a monthly SIP (Systematic Investment Plan). It shows the power of compounding. Let’s have an example:

If I invest 5000 INR ($74) monthly for 20 years with an average return of 15% annually. Guess how much will be the amount at the end of 20 years? Below is my excel calculation :

You will get 74,86,197.41 INR ( $110980) after 20 years which is far better than saving your money in bank at 4% interest rate compounded semi-annually which would have came out to be just 36,24,118.199 INR ( $53710)

This shows the power of compounding. I took the average return of 15%. The return could be more or less than that depending on the fund you choose.

P.S. Mutual Funds are subject to market risks. Make sure to read scheme related documents carefully before investing in mutual funds. 

I consider mutual funds as the safest route to invest in equities. If you’re just starting out, I would highly suggest you to start with mutual funds before directly investing in equities.

3. Courses/Training

Aha… the most essential investment you need to make with no other option left. To grow, you need to invest in yourself. Subscribe to newsletters, do a course in which you’re interested in, or get into a training you wanted to be a part of.

They don’t deliver immediate returns. But yes, they are a great investment for long term.

The money that you are spending in courses/training like personality development, is not an expense. It’s truly an investment you’re making for your growth.

4. Fixed Deposits

Fixed deposits are the safest among stocks, mutual funds etc. If you are investing in fixed deposits, don’t expect a good return. They have a lock out period as well and they just beat inflation rate.

So, your purchasing power remains stable but still you are not generating money from your money.

Fixed deposit is best for those who have long term horizon and low liquidity needs.

5. Help Someone In Need

Donate. Donation is not a direct investment. It just gives back you something which you can’t see.

Donate anything not matter what is it’s cost. Donate a blanket or food or money or anything you’ll feel like.

It simply gives some motivation and inspire us! 🙂


In this post, I shared the ways that I personally use to invest my blogging income. I have diversified my blogging income in the ways that I share above.

In-case, you have any query related to the topic, feel free to contact me. 🙂

So, how do you invest your blogging income? Feel free to leave a comment below! 🙂

Nikhil Ganotra (Nick)

Nikhil Ganotra is the owner and editor of Universal Blogging Tips. He is a passionate blogger from India. He loves to read and write about content marketing and SEO related topics. You can catch him on Twitter or use this contact form.