You have money lying dormant in your bank account and it does not bring you anything? It's a shame... You could invest it and grow your capital. There is no shortage of opportunities and some investments even offer excellent returns. We present you with some of the most popular solutions, but we have also unearthed some original ideas that will surprise and perhaps attract you.

Open a bank passbook

If you are looking for a solution that is easy to implement and that is risk-free, opt for a bank passbook. There are different types from booklet A to LDD through LEP and many others. The remuneration varies significantly and some establishments offer a bonus at the opening which already represents a nice sum.

The Livret A is reliable, but its rate is low: only 1.00%. With inflation announced, an increase in the rate to 2.00% is announced in August 2022. The current ceiling of this booklet is € 22,950.

The rate of the sustainable and solidarity development booklet, otherwise known as LDDS, is also 1.00%, but with a ceiling of only € 12,000.

You can also consider the popular savings account or LEP which offers a remuneration of 2.2%. Its ceiling is set at only €7,700.

You can also think of the following booklets:

Young booklet;
Home savings account (CEL);
Housing savings plan (PEL);
People's retirement savings plan;
Savings account or bank savings account;
Term deposit account (CAT).

Invest in the stock market

Without becoming a trader, you can start to familiarize yourself with the stock market. No need to be a professional or invest huge sums. You can go through a seasoned intermediary who will be able to make the right investments for you. You can also train yourself to learn the basics of the stock market. If you embark on the adventure, diversify your investments and arm yourself with patience, it takes several years to see a result. Remember to go through an online broker, you will just have to open an account, which will be more advantageous than going through your bank.

Buy an apartment

You are young, you have a regular income and maybe even some money set aside? Start investing in real estate now. If you still live with your parents, take advantage of it. If you are already of advanced age, do not resign yourself, there is still time: better late than never. If you do not think you have the budget or sufficient debt capacity, opt for a garage.

And if you are a handyman, do not hesitate to buy a property in poor condition and put it back on your feet, you can make a nice capital gain. If the property is resold after 22 years or if it is your main residence, you even benefit from a tax exemption on it. Try to buy in a neighborhood that has potential. Many places are being transformed, it is an opportunity to do business.

Become an investor

Crowdfunding has been fashionable for a few years and it has been a source of success. This is the case of Star Citizen, a game that grossed $ 300 million in 2020, or the Pebble Time watch that raised $ 20 million. On platforms like KissKissBankBank, Ulule, and MyMajorCompany, you can invest in SMEs, start-ups, or artistic projects. Just log in, discover pending projects and choose. By offering your financial support, you become a shareholder. You then receive interest that can amount to nearly 5% or 6% of the amount incurred.

But this bet is risky, a brilliant company can make you a lot of money, but a start-up that fails will make you lose some. Be careful!

Invest in cryptocurrency

Do you think the stock market is old school or do you want to diversify your investments? Test buying cryptocurrencies. You've probably heard of Bitcoin or Ethereum? The value of a cryptocurrency depends on a market that is particularly volatile. After a spectacular rise that took place from 2021 to April 2022, the price of Bitcoin has collapsed, dragging with it the other virtual currencies.

Some investors had to bite their fingers. But maybe now is a good time to invest if you've never done it. The price has returned to rates close to those of 2020. We can very well bet on an upcoming rise in cryptocurrency. It is generally said that you should only invest the money you could lose. This is especially true for Bitcoin and its cousin currencies.

Get life insurance

Life insurance is a guarantee, but it's also a great way to grow your money. This guarantee provides for the payment of a certain amount to the insured in the event of disability and to a beneficiary in the event of death. The money that is placed in this account earns interest at a rate set by the insurer. You should know that it is quite possible to earn 25% of your starting bet in just a few years. The starting capital is guaranteed, whatever happens, which is more secure than investing in the stock market or cryptocurrencies.

Invest in art

Are you an art lover? Kill two birds with one stone! If you particularly like certain artists, why not buy some paintings? You can proudly display them at home when they will not have cost you much more than an impersonal wall decoration sold by a decoration store. And if you have a nose, the value of this work may have increased tenfold in a few years. You decorate your interior, you are doing an artist a favor and you are likely to have a spectacular return on investment, do not hesitate!

Invest in NFTs

Halfway between cryptocurrency and art are NFTs. These non-fungible tokens refer to digital files attached to a digital certificate of authenticity. It can also be said that it is a cryptographic token that is stored on a blockchain. To put it simply, it is a file (drawing, photo, video, animation) whose ownership is assigned to a person. Others can continue to download this file, and copy it, but they will not own it.

The one who has the certificate, who bought NFT, is the owner of the work. This process has allowed digital works to be valued even though they can be copied ad infinitum. The NFT is unique, it cannot be duplicated. The market is booming and some NFTs have already earned some investors huge sums. Take a look at OpenSea if you want to learn about the world of NFTs.

Take advantage of employee savings

If your company offers a participation agreement, you can have the agent on this savings account. It will complement the company's contribution to a company savings plan (PEE) or a group retirement savings plan (PERCO). If you are self-employed, you can save on a PEEi or a PERCOi. Employee savings is a long-term investment, do not hesitate to buy shares. Indeed, units of account are often more interesting than funds in euros.

Lend your money

Lending money is a simple and effective way to grow your capital. Make sure the person is solvent and register the acknowledgment of debt with a notary. You should know that the return on investment will be much more interesting than with actions. It is also a way to intervene positively in the future of an individual or a company. You can find online what to simulate an amortization table with the amount, rate, and duration of borrowing.

Become a collector

If you already have the soul of a collector, you know that many objects can lend themselves to the game. This is the case with stamps, medals, coins, but also furniture or cars. But many other items can see their price explode, did you know for example that some Pokémon cards were traded at high prices? That some pairs of sneakers could be exchanged for several thousand euros?

Geek culture has created new addictions and some buyers are willing to put a fortune into any type of object. If you have a nose and you know how to invest in items that will have value in the future, you can make a fortune. If you start, be careful to keep your items extremely well and if possible their original packaging. In 30 years, you may be in possession of a treasure!

There are many ways to grow your money. Most of these solutions have proven their worth and others are enjoying a new craze. Whichever you choose, remember that it is always recommended not to put all your eggs in one basket. It is also recommended to invest only what you are willing to lose. For the rest, let time do its work and surround yourself with good advice!