I have done some stock market trading and investment in the past. There is sensible, low-risk strategy that you can earn on your hard earned money.
I wrote a list of what you can invest at your own common sense risks.
Spread your risk.
If you put all your cash in one investment, you're risking every penny if it goes belly-up. Spread your risk across different investments instead.
Rainy days protection.
It is very important to have three months spending money stashed in an easy-access account in case you aren't getting any income.
Brick and mortar.
Buy your own home could be the best investment you ever make.
Rock solid but boring investments, made as a loan to the government and paying guaranteed interest each year. But, at the moment, in my personal view, it's unsustainable because Prices have now been driven up so much that yields are at rock bottom levels. 10 year gilts, for example, yield just 3% – less than the rate of inflation. If you buy now and you could be losing your money.
Big name companies might not offer much growth for your money. But they are safer and often pay good annual dividends.
Smaller company stocks
AIM and Ofex-listed shares offer greater risk, but greater possible rewards.
It is another way to invest, the practice of funding a project or venture by raising many small amounts of money from a large number of people, typically via the Internet. Just make sure it is registered by Financial Conduct Authority.
You can invest in Gold as it is recession proof because during the credit crunch and the Gold value have been increase to the record high. However, this belief has been disproved over the long run.
Now, you know what you can invest with your money at your own common sense risks.
All the Best!
All the Best!