scamrisk logo

5 Best Ways To Invest $10,000 In 2024

By: JosiahSep 26, 2023General Investments
5 Best Ways To Invest $10,000 In [year]

So You Wanna Know How To Invest 10k As A Beginner?

Well you’ve saved a lot of money up, and we’re not just talking about an emergency fund, we’re talking you’re looking for a way to invest 10,000 into something for the long term!

Many people will tell you real estate or the stock market…and we’ll talk about those to a degree…but come on…by now you realize that there is no such thing as saving your way to retirement…

Especially after the recent stock market fiasco, but we digress.

Everyone who’s wealthy knows the best way to invest 10,000 is to start you’re own kind of business.

The short term may not give you a big return upfront, but your rate of return over the next several years will be huge!

Some of the most realistic ways to do this today aren’t necessarily real estate investment trusts, throwing money in a 401 k, roth ira, but in easy to start up work from home businesses!

We’ll talk about the stock market / cryptocurrency investing, selling on amazon, ecommerce, affiliate marketing, MLM’s and why they’re viable options.

And to top things off, we’ll talk about our #1 way to make money online in 2021!

But without further ado, let’s hop into it.


This 5 Best Ways To Invest $10,000 review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.


      Why Listen To Us

      My name is Josiah, and this is my Dad, Joel.why listen us

      Together, we make up the team here at Scamrisk.

      If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

      In early 2020, I had just graduated from college & had no real career prospects.

      I knew I was destined for something more, but I had no clue how I was going to make it happen.

      I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


      I had fiddled around with some different online businesses in college:

      Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

      Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

      All I really wanted was to find something that was going to actually work for me.

      Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

      So I searched! And searched… and searched… and searched…

      And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

      I didn’t really want to be “rich”.

      The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

      Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

      I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

      Fast forward a few days and a few phone calls & I was enrolled!

      Here’s the first “money making website” I put up:

      why listen us gif

      I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

      The best part to me? My dad and I get to do it all together!

      So between the:

      1. Ease of reaching $5-$10K per month in income online

      2. Straightforward-ness of the system to do it

      3. Fact that I get to do it w/ my family

      Is why I recommend local lead generation as my #1 business model for making money online.

      Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

      I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

      Stock Market / Cryptocurrency Investing

      best way to invest 10k

      This is typically your most popular avenue, but it really isn't the best way to invest 10,000 in our opinion.

      The stock market has been preached to people for well over 60 years now.

      It's always the same ole' stuff.

      "Invest in a 401 k", "max out an ira", "Set up an investment account/ brokerage account, you'll kill it!".

      But is that really the case?

      $10,000 is a lot to invest into individual stocks and generally speaking that could be a good area to place your money.

      Unfortunately stocks don't just keep going up forever, some companies take a steep dive never to return.

      That means all that money you had invested, is pretty much just gone and never coming back. And sure, is it important to have a diverse investment portfolio and investment strategy?

      Of course!

      But even if you do everything right...It's not guaranteed to work out. And we've seen that.

      There are plenty in the boomer generation now who have placed money into these investment options their whole lives for a retirement plan of sorts, and they aren't any further along than us.

      In fact plenty of them have now had to get part time jobs because they don't have enough to get through their elderly years anymore.

      So you've just got to ask yourself...if we've been able to see two generations of people do stocks, bonds, 401k's, and a roth ira, and they aren't any better off than've got to it even worth it to get started?

      The answer...probably not.

      But why is that?

      It's Rigged

      where to invest 10k

      Have you been paying attention to the news at all lately?

      Well if you haven't...let's just get you caught up real quick.

      Several weeks ago the big hedge funds had decided to short Gamestop Stock (GME) and basically run the company into the ground.

      A whole bunch of people banded together on reddit and bought up several shares of the stock, leading to a raise in price of the stock.

      This literally made hedge fund managers cry.

      When it started being a bigger story even more people started buying in.

      Regular people were turning into millionaires over night. Some people literally leveraged thousands in credit card debt to just turn around in a few days time and have millions in their account.

      So how'd it all end?

      Wall Street was exposed for just how corrupt they were. All the different brokerages and their brokerage accounts were frozen when it came to anything GME related.

      Robinhood ironically led the charge on that, shutting out all their users from buying it, only allowing them to sell.

      What happened?

      The balance of power shifted away from the market and the people and into the power of the corrupt elite.

      Showing us that the every day average joe was never meant to get rich by making investments into the stock market.

      Penny Stocks

      how to invest 10000 dollars right now

      Oh but what about penny stocks you're wondering?

      Yeah you can make money with penny stocks, but that usually requires lots of knowledge and constant day trading.

      With investments you're generally looking for something that you can pay upfront and then just get started collecting your solid rate of return.

      You can't really do that with penny stocks...

      Unless you use robo advisors. A robo advisor helps take away some of the grunt work for you but ultimately it's still just a bot.

      If you don't pay close attention to it, it could keep trading on the path you set it down even when the market has had a crazy correction.

      You could lose big.

      Alt Coins

      If you want to invest 10,000 in a way that's like the stockmarket, but not the stockmarket, crypto might be what you're looking for.

      Coins like BTC, ETH, and LTC hold quite a bit of value.

      Unfortunately, the crypto market is even more volatile than the stockmarket.

      So even though you can earn a lot of money in the short term, you could also lose a lot. It's like a double edged sword.

      Definitely not something to bet your savings account on if you ask us.


      • Mutual funds, IRA's, 401 k, are all proven models to make small amounts of money over the long term.
      • Good for "drip" money over the long term.
      • Easy to set up a brokerage account.
      • Rate of return of roughly 8% per year.


      • A high yield is rare.
      • Most brokers require a minimum investment.
      • Robo advisors can't think for themselves.
      • Capital gains are not tax free.
      • Stockmarket is controlled and not made for you to get rich with just 10,000.

      Amazon FBA

      how to invest 10000

      If you've seen any sort of YouTube ad when it comes to investing or making money, odds are you'll come across an Amazon FBA course ad talking about the how selling on Amazon is one of the best ways to invest 10,000.

      If you want to invest into your future, some would argue that getting involved with Amazon would be one of the best ways to do so.

      After all, since it's inception, Amazon has year after year and now dominates ecommerce!

      You can't go wrong right?

      Unfortunately there's a lot more to selling stuff on Amazon than meets the eye. Let's dive a little deeper and try to determine whether an investment into an Amazon store would be a good idea for you.

      Crazy Rules


      Amazon used to be an absolute gold mine.

      There weren't too many rules and most people if they started a store would have a really high yield.

      Yep, a successful store on Amazon would beat out any competitive interest rate that a stock broker or bank would give you for putting your money in any portfolio they offer you.

      Unfortunately, when rules start becoming ever so increasing, the opportunities for a certain investment plan like this will begin to dwindle.

      At this point in time Amazon has so many rules for their sellers it's really hard to keep track. Especially when it seems like they are coming out with new rules every single day!

      So before you make an investment into your own Amazon store it's important to go through these rules with a fine toothed comb and that you make sure to understand all of it...

      Otherwise Amazon reserves the right to shut down your store at any moment and all your money is then gone.

      Now just think about how bad that sucks for a moment...

      You take your solid investment of $10,000 and build up a really profitable Amazon business.

      And let's say you have a few different products and they are dominating each of the markets they are geared towards.

      Literally out of nowhere, Amazon can come in and shut you down for seemingly no rhyme or reason.

      A great way to describe this is sort of like an illusion. Amazon gives you the illusion of owning and controlling your own store and business, all while also profiting off of you too, yet they can come in at any moment with your 10,000 to invest and just get rid of all the progress all together.

      But hey, maybe you'll get lucky and make just as much as these other investors who threw a 10,000 investment into an Amazon store.

      Consistent Commission Cuts

      investment plan

      This is more on the affiliate side of Amazon...but it still fits.

      You see, you used to be able to become qualified as an Amazon affiliate and place links to products all over the web.

      Unfortunately, Amazon has continued to slash commissions year after year after year. It's already tough enough to get clicks online, but these slashes make it even harder to want to continue putting effort toward it.

      Imagine if your portfolio manager wanted even more slices of the pie that you were bringing him...doesn't sound all that fair huh?

      But Mr. Bezos calls the shots unfortunately.



      If all the rules and constant commission cuts weren't enough to get you second guessing about other ways to invest 10,000 then maybe this will.

      It's not difficult to set up your Amazon store. In fact, most online courses will show you how to set one up in just a matter of a few hours!

      Unfortunately because of how easy it is, there is a lot of competition. There are thousands of people on Amazon who are trying to sell the exact same products you are and get that 6 figure rate of return.

      These people dumped there whole entire savings accounts into their stores just to get a hope of profitability.

      It takes a lot to run an Amazon business and it's really hard to rank a product organically in search. You can thank some of the new rules thanks to that.

      So not only do you have to try and rank organically against all the people who know the same things you do, but you also have to use paid ads to get short term money in the door to start to recoup that initial investment.

      Running PPC is hard because the prices are constantly changing and you could end up in the red pretty quickly.

      All that to really say, look, a $10,000 investment into Amazon can be profitable, and it has been for a handful of people...

      But for you to really be successful, the stars almost have to align and you have to be one of the best people to have ever ran a PPC campaign haha.

      It's really that difficult.


      • You can make 6-figures per year with Amazon with a $10,000 investment.
      • Setting up a store on Amazon does not take long.
      • Amazon's platform is great way to enter ecommerce because they have the most sales.
      • No credit score required.


      • Amazon is cash intensive.
      • PPC is difficult and can be a headache to constantly track.
      • It can take well over six months to rank an Amazon product organically


      investment account

      So if Amazon is too difficult to really get started on, you're probably wondering about just a general ecommerce store next right?

      At least it would make sense to think that way.

      And it honestly isn't that bad of an idea, there are plenty of people who have set up Shopify stores who are making 6-figures as well.

      So is making an investment of $10,000 into an ecommerce store going to be worth it for you?

      Well let's break down some of these major factors...

      Big Up Front Cost

      Similar to Amazon, you still have to buy all your inventory upfront. Realistically, $5,000 of your $10,000 is likely to go just to inventory alone.

      The rest of that budget is likely going to go to advertising and shipping costs.

      This model really makes you put how much $10,000 into perspective. Sure it's more than most credit cards can extend, but it still goes by really fast in businesses like these.

      Hell, $10,000 would put a nice sized dent into just about anyone's student loans.

      It's not hard to imagine why most people can't hang long in ecommerce, they don't have the capital to keep it going.

      That brings up the next issue, competition.

      Competition And Margins

      tax advantages

      Ecommerce is super competitive. There are thousands of Amazon stores and there are thousands of ecom stores on shopify and other platforms world wide.

      Do you know how hard it's going to be to get on page one with all the free traffic when there are 1000's of other guys out there with huge budgets and very elite knowledge of SEO?

      Pretty freaking hard!

      That's why many people who start ecommerce businesses with $10,000 never get out of the paid traffic arena. They have no time to learn SEO.

      And what about margins?

      Thanks to Chinese wholesalers now entering the ecommerce game, it is becoming extremely difficult for other businesses to successfully make arbitrage happen.

      That's because they come in and sell for exactly what they sell to us for. In a sense it's cutting the middle man out.

      Think we're over exaggerating the issue?

      Just for a second try to remember the last time you saw any of these major ecom gurus promote their courses on Facebook or YouTube.

      It's hard to put your finger on it isn't it?

      This is a trend our team has began to notice with a lot of these ecom related courses...their "fearless" leaders are backpedaling on getting sales of the course and are transitioning to other industries altogether.

      One has to ask themselves: why?

      Simply put, this pandemic has absolutely crushed certain types of industries. To an extent, we believe that online commerce is one of them.

      We're not saying that online commerce is going away, but merely that the average joe who wants to run a profitable online business like this can't anymore because he can't live with the fractionalized profits.

      If anything, this pandemic has made it easier for the bigger retailers and even more difficult for the smaller ones.

      Barrier Of Entry

      investment strategy

      The next thing that we have to deal with is the barrier of entry.

      There virtually isn't one.

      You could literally go online build a one page website, with one product, run ads to it, and get a sale. Now you might not get a lot sales because of a lack of content...but still something might come through.

      So when it's that easy to get something up and running, you can imagine how many people are going to hop into it.

      That can be quite discouraging to some people because then they start to play the odds game, which is ok to an extent, but you can't let it consume you.

      So if you're going to try using a $10,000 investment into an ecommerce business just understand that you are going to need to wait six months to a year to anything come to fruition.


      • People are increasingly buying products online.
      • Several people have made 6-figures a year from their ecommerce business.
      • No investment experience required.


      • Margins are continuously shrinking
      • You need a hefty minimum investment
      • You need to stick it out at least six months to see any sort of results.

      Affiliate Marketing

      investment experience

      Affiliate marketing can be really tough to succeed in.

      Sure you don't have to worry about all the shipping or even buying inventory...but you do have to make sure that your links are all getting clicked on and driving traffic that converts.

      Unfortunately, it takes a crap ton of money to be a good affiliate marketer.

      Anyone who knows affiliate marketing knows that the lions share of conversion traffic is generated by blogs that are riddled with affiliate links.

      The thing is though, these sites have to get massive traffic and that's hard to do.

      You see, PPC has never really worked well when driving traffic to blog to then hope people click on your affiliate links in the post.

      No, the blogs that rake in a lot of money are ranked organically on page one of google for several different keywords.

      You don't make a killing by just throwing your links out on the web randomly. People honestly hate that.

      Barrier Of Entry

      Affiliate marketing is easy as hell to enter.

      We're talking about maybe paying $25 to get an affiliate link to start placing around the web. Unfortunately, these are links to products or programs people really aren't all that interested in which is why the commissions are so small.

      But there are literally hundreds of thousands of affiliate marketers out there and it's hard as hell to compete with that which is the next thing we'll be talking about.


      brokerage account

      Competition is literally insane. Thousands of people are in this business and it's kind of given it a dirty name.


      Everyone has started just placing their affiliate links everywhere unsolicited. Platforms like reddit even ban users who drop an unsolicited affiliate link.

      People hate seeing spam everywhere which is what affiliate marketing has really turned into.

      Have you been in any groups on Facebook where people just dump their links everywhere?

      Pretty annoying huh?

      We agree.

      Ok, but you're not a spammer, and you really have products to do you make money as an affiliate marketer?

      The way would be through a blog.

      You would need to put out consistent content that actually brings value to people and helps them find what they are are looking for.

      This takes a lot of money however. You will likely need to invest heavily into outsourcing SEO while you are busy on the creative aspect of things.

      And depending on how much content you need to be pushing might need to hire out more writers and good writers are expensive!

      But there is a chance you could be a successful affiliate marketer if you budget that $10,000 in the right way!


      credit score

      One thing that you'll find that sucks about affiliate marketing is that the companies that you market for are extremely stingey when it comes to payouts generally.

      What we mean by that is you really have to read the fine print on their terms. If they can get away with taking your traffic and making a sale and not paying you...they're going to do it.

      Now not all of these affiliate programs are like this...but typically your free or really cheap ones to join.

      It usually costs quite a bit to get into a great affiliate program that makes their payout process really easy.

      The caveat to that however is that those really good affiliate programs are just as competitive and they deal with people that have much higher budgets who use all sorts of SEO tactics to dominate a lot of the traffic.

      But hey, you've got 10,000 to invest right? Out of everything we've mentioned so far this might be the one opportunity where your money might go the furthest.


      • One of the cheapest ways to get started making money online.
      • Can get started in just a few hours.
      • Won't be placed in any credit card debt.


      • So much competition.
      • Companies make it extremely difficult to get your commission into your checking account.
      • Need to know SEO at a high level.

      Multi Level Marketing


      Ah yes, the good ole' fashion MLM business opportunity.

      Hey the 90's called they want their overpriced garbage back!

      Alright, alright, all joking aside you can still make a little bit of money by investing $10,000 into an MLM.

      It may not be the most effective use of $10,000 but some people have still had good start up success.

      As you can imagine much, if not all, of that $10,000 will be spent on investing into product that you will have to turn and sell at a dinner party to your friends and family for a profit.

      Back in the 90's MLM's worked really well for some people, but today however, the prices of the products, along with their quality, can't be justified for a lot of people.

      Thanks to the internet even your friends realize a good deal when they see one.

      And can you blame them?

      You wouldn't want your friends to just give you a handout would ya?

      But besides the fact that investing in an MLM might be a little archaic...there are a couple other reasons why you might not want to take $10,000 and invest it in an MLM.


      The truth about most MLM's is that you won't get rich off of just selling the products yourself. There's only so many sales you can make a day by yourself and the margins aren't great to begin with.

      If you ever want to bring in the big bucks, you're going to have to recruit people so that you can get a commission off of their sales.

      Yeah...doesn't sound all that cool does it?

      Almost nothing can be more awkward than having to try and get somebody on board to be in your downline and then explain to them that you'll be getting a little bit of their hard earned money.

      If it wasn't for the fact that MLM's sell actual products, this would have the very makings of a pyramid scheme...that's why most people stray away from it.


      stock market

      Normally this is the part most people enjoy the most, the whole getting paid thing.

      Unfortunately it's not as glamorous as it sounds.

      Most MLM's give you pennies compared to what your uplines make.

      The worst part is that you often have to meet a certain sales quota before they even give you money. Yep, if your sales quota is $200 and you only sell $199 worth of stuff, you wont get your commission!

      On top of that, the average network marketer only makes about $21,000 according to zip recruiter. That's roughly $1,750 a month. Once you figure in all your time invested as's just not worth it.

      Additionally, I'd imagine if you invested $10,000 into something, you'd probably want to not wait half a year just to recoup your initial'd probably just want to invest it into something that works on auto pilot.

      An MLM is definitely not an auto pilot business.


      MLM's are also extremely competitive. It's set up like a pyramid structure. Those at the top are making the mansion and Ferrari money while any newbie is just going to make a couple hundred bucks a month at best.

      Most people have tried to create their own ecommerce store so that they could potentially make sales while they're sleeping.

      And that's really smart...but a lot of other people have had the same idea and now there is a big SEO push. You are now having to compete globally with thousands of people trying to sell the same product as you.

      Honestly that's really hard to do and expensive. SEO works, but unless you have time to do it yourself (which is unlikely since you have to run your MLM biz) it's gonna cost you a pretty penny.


      • A $10,000 investment can give you a great jump start.
      • Some friends an family might support you on monthly recurring products.
      • People have climbed their way to the top.


      • No pay if you don't make monthly quota.
      • You'll have to focus on sales more than anything, capital won't win the game for you.
      • Most network marketers make less than $2k a month on average.

      Digital Leasing

      It’s pretty much exactly as it sounds. You get the equivalent of rent payments for websites.

      Here’s how it works.

      Find a local owned service based business and decide to build a website and rank for it.

      When the leads start coming in, pass them off to a business owner and start collecting the checks.

      Is it really that simple?


      You see compared to ecommerce, you don’t have to run any paid ads to a site. So, you’re only out of pocket like $8 a month for hosting and $11.99 a year for your domain.

      And if you can’t afford that, well maybe we have other issues we need to talk about.

      But seriously, lead generation sites make bank and they’re extremely passive.

      Once you have them ranked, you don’t have to touch them again because they run on autopilot.

      But what about the competition you ask?

      Virtually nonexistent compared to affiliate marketing.

      With ecommerce you’re competing with literally millions of people globally.

      With lead generation we’re talking maybe 20 of the same type of business in an area. Most of which don’t know anything about ranking a site.

      It legitimately couldn’t be any easier.

      The best part?

      These sites are worth $500-$1,000 on average a month!

      If you had just 10 of these sites, you’d be making $5,000-$10,000 a month from passive income! With a $10,000 investment into sites, you could have 10 sites ranked and banked!

      And your margins are literally 90-100%!

      But that’s enough of that… for more information about

      this model that crushes ecommerce, check it out here!


      portfolio manager

      What Should I Invest 10k In?

      Our recommendation would be starting a lead generation business. $10,000 would be enough to get you 10 different sites fully built and ranked in a matter of about 3 months.

      These types of sites, when ranked with leads coming in, are worth typically $500-$1,000 a month.

      So after just a few months you could have $5,000 to $10,000 in recurring income!

      How Can I Make Money With 10k?

      The best way to make money with 10k would be looking at a business that would have recurring monthly income on auto pilot.

      One of the best ways to do this is through traditional ways like real estate.

      However real estate is often pretty expensive and $10,000 into one property might not yield returns you'd like to see.

      If you invest into Digital Leasing though through lead generation, you'll find that you'll have a much higher return on investment.

      Can You Turn 10k Into 100k?

      Lead generation would be perfect for this!

      10 sites would allow you to earn $100k after 10 months!

      How Can I Get Rich With 10000 Dollars?

      The best way you could get rich with 10000 dollars would be to invest into a business that has high profit margins with recurring clients.

      0 Responses
      Leave A Reply
      Your email address will not be published. Required fields are marked *
      Comment *
      Name *
      Email *
      Save my name and email in this browser for the next time I comment.

      All site content, links and resources are presented solely for informational purposes only and should not be considered as medical, legal, financial or tax advice. is free to use because we may earn a commission when you use a service listed on our site, however our editorial treatment of reviews, ratings and listings is equally impartial whether a link is paid or unpaid. Opinions expressed in reviews, commentary and articles are those of the author and are not necessarily shared by Scam Risk. Screenshots, logos, company names & styles are IP, copyright and trademarks of their respective owners, used on this site for their promotion or editorial illustration.

      Continued use of is contingent on acceptance of Scam Risk's legal policies

      scamrisk footer logo