Where to Invest $100K in 2025: Top Australian Strategies
Invest $100,000 in 2025 and invest in clean energy, property, agriculture, superannuation, REITs and peer-to-peer lending. Each has its own growth, diversification and long term returns.
Get insights into high growth areas like renewable energy projects, emerging suburbs and advanced agricultural technologies. Learn about strategic property investments, stable superannuation funds and diversified REITs across Australia’s growing markets.
Understand how peer to peer lending is a balanced risk and reward strategy. The content will show you how to navigate the market and get the most out of your investment.
Clean Energy in Australia
Australia’s clean energy sector is booming and 2025 is a great time to invest. With the government committing to 82% renewable energy by 2030 and global demand for sustainable energy solutions on the rise, the Australian renewable energy landscape is open for business.
Here we look at where and how to invest $100,000 in clean energy and what returns, risks and opportunities to consider.
The Growth of Renewable Energy in Australia
Australia has seen significant growth in renewable energy adoption. In 2023 renewables made up 39.4% of the country’s energy generation, up from 35.9% in 2022.
This steady growth is driven by government policies, corporate investment and public awareness of climate change. States like Queensland, New South Wales and Victoria are leading the way with large scale solar farms, wind farms and battery storage projects.
According to the Clean Energy Council’s 2024 report Australia’s clean energy capacity is expected to grow 15% per annum, with both public and private sector investment. It’s one of the hottest sectors to invest in 2025.
Potential Returns
Renewable Energy Stocks
Publicly listed companies in the renewable energy space offer growth. Companies like NextEra Energy and Brookfield Renewable Partners have delivered above average returns as the world demands clean energy solutions.
Australian companies like AGL Energy and Origin Energy are also transitioning to renewables so there’s opportunity for capital growth.
Start-ups and Innovation
Investing in start-ups can deliver high returns as they focus on innovation. Companies like MGA Thermal which develops thermal storage solutions and Fleet Space Technologies which uses nanosatellites for resource management are at the forefront of Australia’s renewable energy revolution.
Both are in the top 25 start-ups to watch in 2025.
Renewable Energy Funds
Managed funds focused on renewable energy projects offer diversification and professional management. These funds pool investments into a mix of solar, wind and storage technologies so you get stable returns and diversification of individual asset risk.
Solar and Wind Farms
Investing in large scale renewable projects like solar or wind farms can generate income through power purchase agreements (PPAs). Long term contracts with energy providers means a steady income stream, making them attractive for institutional and retail investors alike.
Risks and Challenges
Market Volatility
The renewable energy sector is not immune to market fluctuations. Global economic conditions, technological advancements and policy changes can impact stock prices and project viability.
For example, while solar and wind energy costs have come down, the sector’s reliance on rare earth materials means supply chain risk.
Regulatory Uncertainty
Australian energy leaders have said clear and consistent policies are key to the transition to renewables. Ambiguity in government regulations can scare off investors and lead to capital flight to countries with more stable frameworks.
Technological Risks
New technologies in renewable energy face scalability and competition risks. Investors need to carefully assess the viability and market readiness of new solutions before committing capital.
Investment Opportunities
Renewable Energy Stocks
Australian companies like AGL Energy, Origin Energy and APA Group are transitioning to renewables so there’s opportunity for long term investors. Globally companies like NextEra Energy and Brookfield Renewable Partners are leading the clean energy charge.
Start-ups to watch
MGA Thermal: A Newcastle based start-up focused on renewable energy storage, one of the sector’s biggest challenge – intermittency.
Fleet Space Technologies: Based in South Australia, they’re developing nanosatellites for resource management and monitoring.
Solar and Wind Farms
Queensland’s solar farms and Victoria’s wind farms are among the best large scale investments. They have good geography and strong government support.
Renewable Energy Funds
Funds like the Australian Ethical Emerging Companies Fund focus on clean energy and sustainability so you get diversified exposure to the sector. Perfect for investors who want a hands off approach with professional management.
Geographical Focus
Queensland
Queensland is the solar leader, home to some of the country’s biggest solar farms. It has plenty of sun and supportive state policies so it’s a hotbed for renewable energy projects.
Victoria
Victoria is the wind energy leader. With several large scale wind farms already operational, the state plans to build more.
New South Wales
New South Wales is going for a mix of solar, wind and hydro. The Snowy 2.0 hydro scheme is a flagship project that shows the state’s commitment to clean energy.
How to Invest $100,000
Diversify Your Portfolio Spread your investment across multiple asset classes – stocks, start-ups and funds to reduce risk and increase returns.
Research and Analyse Do your due diligence on each investment opportunity. Assess the financials, growth potential and market position of companies and projects.
Consult Experts Work with financial advisors who specialise in renewable energy investments to tailor your strategy to your financial goals and risk profile.
Monitor the Market Stay up to date with policy changes, technological advancements and global trends to make informed decisions.
Australia has plenty of clean energy opportunities in 2025. With $100,000 to invest you can invest in stocks and start-ups, large scale renewable projects and managed funds.
While the returns are attractive, you need to navigate the risks. By diversifying, staying informed and consulting with experts you can position yourself to benefit from Australia’s transition to a sustainable energy future.
Direct Property Investment
In 2025 direct property investment is a strong wealth builder in Australia. With $100,000 you can invest in residential, commercial or industrial property, balancing returns, risk and growth.
Australian Property Market Outlook
Australia’s property market is driven by population growth, infrastructure and government policies. Major cities have high demand, while regional areas have affordability and growth, driven by residential and industrial properties in 2024.
Returns on Investment
Residential Properties
Residential properties in high demand cities or emerging suburbs have steady yields of 3-5%. Growth areas like suburban or regional locations have increasing values as population and infrastructure grows, so returns over time.
Commercial and Industrial Properties
Commercial properties, especially logistics and warehouses have yields of 6-9%. Leasing to good tenants gives you steady income and capital growth as online retail demand for industrial space grows.
Property Development
Property development or renovation delivers big returns by buying undervalued properties and adding value through renovations or subdivisions. This requires expertise and market knowledge to manage risk and maximise returns.
Risks and Challenges
Market Fluctuations
The property market is cyclical and economic downturns, interest rate changes or policy shifts can impact property values and yields. Understanding the cycles and managing risk is key to property investment success.
Ongoing Costs
Property ownership means maintenance and vacancy periods which can impact cash flow. Investors need to budget for maintenance costs and plan for periods between tenants.
Location Risks
High demand cities like Sydney or Melbourne require more capital with lower yields. Properties in regional areas are affordable but carry more risk due to oversupply or lack of infrastructure development.
Investment Opportunities
Residential Growth Areas
Invest in emerging suburbs and regional cities like Brisbane and Perth which have population growth and strong infrastructure projects. These areas have both capital growth and rental demand.
Commercial Properties
Focus on industrial and logistics properties driven by the e-commerce boom. These investments have stable returns and long leases especially in suburban or regional industrial hubs where demand is high.
Renovation and Development
Renovating undervalued properties or investing in new developments delivers big returns. Suburban or gentrifying areas often have properties that can be turned into valuable assets.
Geographical Focus
Sydney and Melbourne
Sydney and Melbourne are the prime investment areas due to their stability and demand. While the high property prices require more capital, they have long term growth and steady rental demand.
Brisbane and Perth
Brisbane and Perth have affordable entry points for investors with growth potential. Population growth and infrastructure development make these cities great long term property investment opportunities in Australia.
Regional Areas (e.g. Geelong and Ballarat)
Regional hubs like Geelong and Ballarat have affordable options, driven by new infrastructure projects that will boost economic growth and increase demand for residential and commercial properties in these hotspots.
Invest $100,000
Research local markets to find areas with high growth, focusing on areas with strong economic indicators, infrastructure development and population growth for property investment opportunities.
Spread your investments across residential, commercial and development properties to balance risk and maximise returns and adapt to changing market conditions for long term growth.
Consult a property advisor for expert advice and personal guidance. They will help you refine your strategy, align your goals with the market and make informed decisions in a competitive and complex market.
Direct property investment is still a great way to build wealth in Australia. Research the market, diversify and manage risk and you’ll navigate the property landscape and get good returns.
Agricultural Investments
In 2025 agricultural investments are growing in Australia due to increasing global food demand and technology. A $100,000 investment can target multiple agricultural sectors and balance risk and reward.
Australian Agriculture Sector Outlook
Australia’s agriculture sector has strong export markets, stable climate zones and advanced farming technology. Demand for key crops, livestock and sustainable farming practices is increasing so it’s a great investment opportunity in 2024.
Returns on Investment
Crop Farming
Crop farming delivers long term returns especially for high demand crops like wheat, barley and fruit. Technology in irrigation and farming increases yields and profitability over time.
Livestock Farming
Livestock farming, particularly cattle and sheep, has strong investment opportunities especially in export driven areas. Australia’s booming beef industry means well managed operations will get good returns as global meat demand grows.
Agriculture Technology & Innovation
Invest in agricultural technologies like precision farming, automation and sustainability practices and get high returns by addressing labour shortages, environmental challenges and increasing farm productivity.
Risks and Challenges
Climate Change
Australia’s agriculture is highly exposed to climate variability, droughts, floods and unpredictable weather. Managing these risks is key to the long term viability and profitability of agricultural investments.
Commodity Price Volatility
Agricultural prices can be volatile due to global supply and demand, trade policies and currency fluctuations. Investors should monitor the market and consider hedging strategies to reduce risk from price changes.
Supply Chain Disruptions
Issues in the global supply chain, such as transport disruptions or policy changes, can impact the agricultural sector. Understanding international trade and regional supply chain risks will help mitigate the negative effects.
Investment Opportunities
Crops in High Demand Areas
Invest in areas with good climate for high demand crops like almonds, vineyards or wheat. These crops have export markets and technology in agricultural production so good returns are possible.
Livestock in Export Driven Zones
Invest in Queensland or Northern New South Wales for cattle and sheep farming. These areas are driven by export demand and have strong global markets so good returns are possible.
AgTech
Invest in AgTech startups in precision agriculture, automation and sustainability. As agriculture gets more tech driven innovations that reduce environmental impact and increase productivity have high growth potential.
Geographic Focus
Queensland and Northern New South Wales
Queensland and Northern New South Wales are the agricultural investment hotspots due to their good climate and strong export driven agricultural markets. These regions are good for crop and livestock investments and will give good returns.
Victoria and South Australia
Victoria and South Australia are the grain and livestock powerhouses. These regions offer long term investment opportunities in stable agricultural output with established farming practices and modern technology adoption.
Western Australia
Western Australia’s agriculture is focused on wheat, barley and livestock with export opportunities that underpin the state’s economy. The region’s technology and strong demand for resources means steady growth for agricultural investments.
How to Invest $100,000
Research farm types, markets and crop options to identify areas with strong agricultural demand, focus on technology driven opportunities to increase yields and returns in high demand sectors like grain or livestock farming.
Diversify agricultural investments by investing in a mix of crop, livestock and AgTech. Balance traditional farming with innovation to reduce risk and maximise returns in the short and long term.
Talk to agricultural experts and financial advisors with farming experience. They will help you tailor your strategy so your investments align with market opportunities and agricultural trends in Australia.
Agricultural investments in Australia can give you good returns if done properly. Stay informed, diversify your portfolio and manage the risks and you will be set up for success in this space.
Superannuation Funds
In 2025 superannuation funds will be essential for retirement in Australia, with multiple investment options to grow your wealth long term. Contributions fund investments, so good growth over decades for Australians’ future.
Australian Superannuation Market Outlook
Australia’s superannuation system has government support and compulsory contributions. Super funds offer local and global options, so long term growth is possible even in 2024’s changing demographics and economic conditions.
Returns on Investment
Growth Option Super Funds
Growth funds invest mainly in shares and property and aim for 6-8% returns per annum. These funds are for those who want to maximise their retirement savings through long term capital growth.
Balanced and Conservative Funds
Balanced super funds combine equities and bonds and offer 4-6% returns. Conservative funds invest in more secure assets and aim for 2-4% returns, for stability at the cost of aggressive growth.
Income Funds
Income super funds focus on fixed interest, bonds and dividend paying assets. They offer 3-5% returns and provide income streams for investors who want lower risk and stable growth in retirement.
Risks and Challenges
Market Volatility
Equity heavy super funds get affected by market downturns. However taking a long term view helps investors ride out these cycles and focus on growth over time despite volatility.
Fees and Charges
Fees for superannuation funds include investment, administration and insurance costs which can eat into your returns. Comparing fees is important to reduce costs and maximise your overall super fund growth.
Regulatory and Taxation Changes
Government policies and tax laws can impact super contributions and investment strategies. Stay up to date with the legislation to optimise tax savings and adapt to the regulations for retirement wealth accumulation.
Investment Opportunities
Growth Asset-Focused Funds
Invest in super funds with growth assets like shares and property and get high returns. These funds benefit from capital growth and dividends and contribute to long term retirement wealth.
Ethical and Sustainable Investments
Ethical super funds use ESG (Environmental, Social and Governance) to select investments with sustainable practices. These funds align financial growth with your values, social responsibility and returns for you.
Self-Managed Super Funds (SMSFs)
SMSFs give you complete control over your super investments and allow you to tailor your strategy to your unique financial goals. They offer flexibility in managing your own portfolio but require a lot of time and expertise to run.
Geographical Focus
Australian Equity Focus
Super funds invested in Australian equities offer stable growth due to the strong market and government support. Investing in Australia gives you opportunities in industries that benefit from local and global growth.
Global Investment Strategies
International super funds invest globally, giving you exposure to emerging and developed markets. They balance higher risk with higher returns to strengthen your long term retirement savings and financial security.
Property Based Super Funds
Property investments in super funds offer stable growth, especially in commercial and residential real estate. These investments give you steady income and significant capital growth to boost your super fund returns.
How to Max $100,000 in Super
Research super funds that match your risk tolerance and retirement goals. Choose between growth or balanced funds to maximise long term retirement savings and set yourself up for financial security.
Then contribute regularly by using salary sacrifice or co-contributions to grow your super balance over time. Consistent contributions will grow your savings big time and give you a big retirement benefit when you reach the preservation age.
Finally, consult a financial advisor to fine tune your super investment strategy. They can help you choose the right funds, assess the market and ensure tax effective contributions to maximise growth over time.
Super is a key wealth building tool for Australians. By choosing the right funds, contributing regularly and managing risks you can have a financially secure retirement and achieve your long term retirement goals.
Real Estate Investment Trusts (REITs)
In 2025 Real Estate Investment Trusts (REITs) are a good opportunity for Australian investors. With an initial investment of $10,000 you can get access to diversified property portfolios, growth and income.
Australian REIT Market Outlook
Australia’s REIT market is booming due to urbanisation and demand for commercial, industrial and retail properties. With infrastructure development and population growth in key cities REITs look solid long term.
Returns on Investment
Retail REITs
Retail REITs give you 5-7% returns, focused on prime shopping centres and malls. These assets are resilient and will continue to generate income even with the rise of online shopping in Australian cities.
Office and Industrial REITs
Office and industrial REITs give you 6-8% returns. Warehousing and logistics properties are performing well due to the demand surge driven by Australia’s e-commerce boom and urbanised industrial areas.
Diversified REITs
Diversified REITs invest in various sectors, residential, office and industrial properties. They give you 6-10% returns and exposure to different real estate markets and risk diversification for investors.
Risks and Challenges
Market Volatility
REITs are subject to market volatility. Economic recessions and rising interest rates can impact property values and rental income and affect dividends and long term growth for investors.
Management Fees
REITs charge management fees of 0.5-2%. These fees eat into returns. Investors need to check the fee structure when choosing REITs to make sure they align with their investment goals and profit.
Property Type Risks
Different property types have different risks. Retail REITs are impacted by e-commerce, office REITs by remote working. Check these risks before you invest.
Key Investment Opportunities
Retail REITs
Target high footfall retail properties in major cities, Sydney and Melbourne where demand is strong. These properties will give you long term stability and consistent returns from physical retail spaces and key retail hubs.
Office and Industrial REITs
Industrial REITs in e-commerce hotspots are growing fast and giving great yields. Urban logistics centres are performing well and will continue to generate steady rental income from the e-commerce boom.
Diversified REITs
Invest in diversified REITs with exposure to residential, industrial and office properties. A diversified portfolio will protect you from risks and give you strong returns across all market conditions.
Geographical Focus
Sydney and Melbourne
Sydney and Melbourne are the prime real estate markets for REIT investment. Although entry costs are higher, these cities perform well due to strong demand in residential and commercial properties.
Brisbane and Perth
Brisbane and Perth have growth opportunities in the REIT sector with infrastructure projects and population growth. Their diversified markets are good for long term stable property investments.
Regional Areas (e.g., Geelong and Ballarat)
Regional cities like Geelong and Ballarat are getting attention for REIT investments. As regional infrastructure improves, demand for residential and commercial properties in these areas is growing fast.
How to Invest $10,000
Start by researching REITs that have exposure to your preferred property sectors, industrial or residential. Look for those with a good track record and strong performance across different markets for growth.
Spread your investment across multiple REITs. Investing across different property sectors reduces risk and ensures your portfolio is geared for stable returns and long term growth.
Talk to your financial advisor for expert views on the REIT market. They can help you choose the right REITs for your investment strategy and make informed decisions in a changing market.
Real Estate Investment Trusts (REITs) give you an easy entry into the property market with potential for income and growth. By diversifying and managing risk, REITs are a good investment.
Peer-to-Peer Lending
In 2025, peer-to-peer (P2P) lending is an alternative investment strategy that connects individual borrowers with investors, giving you opportunities for great returns. With $100,000 you can diversify across multiple borrowers and loan types, risk and reward.
Australian P2P Lending Market Outlook
Australia’s P2P lending market is growing, driven by consumer demand for flexible financial solutions and better returns than traditional investments. With lower regulatory costs, P2P platforms give you high returns and borrower access.
Returns on Investment
High-Interest Loans
P2P lending investors can expect 5% to 12% annual returns based on loan risk. High credit borrowers give lower returns, higher risk loans give higher returns but come with default risk.
Secured loans (backed by assets like property or vehicles) give lower interest rates as the risk of loss is reduced. Unsecured loans (higher returns) come with higher default risk, more risky but potentially more profitable.
Spread Your Investment
Investors should spread their investment across different loan types and platforms to reduce risk. Investing small amounts across multiple borrowers and loan types gives you more predictable income and reduces the impact of one borrower default.
Risks and Challenges
Default Risk
The biggest risk in P2P lending is borrower default. Due diligence on borrower profiles and loan types and portfolio diversification is key to reducing losses and get consistent returns over time.
Platform Risk
P2P lending platforms are the intermediary between investors and borrowers, so platform reliability is important. Choose reputable platforms with strong credit risk assessment, transparency and risk management policies.
Economic and Market Conditions
P2P lending returns can be affected by economic downturns, interest rate changes and market conditions. In recessions loan defaults may rise as individuals struggle to repay loans which can impact investor returns.
Investment Opportunities
Personal Loans
Investing in personal loans gives you high returns for higher risk. Borrowers use these loans for debt consolidation, home improvements or emergencies so you get a steady stream of borrowers across multiple sectors.
Business Loans
Investing in business loans gives you strong returns especially for businesses in growing industries. Startups and SMEs with high growth potential need capital and offering financing through P2P lending platforms can give you attractive interest rates.
Auto and Home Loans
P2P lending for auto and home purchases is lower risk as secured loans. Returns are generally lower than personal or business loans so ideal for conservative investors looking for stability.
Geographical Focus
Australian Cities
In cities like Sydney and Melbourne, demand for personal and business loans is high. These areas with large population and thriving business sectors give you plenty of opportunities to invest in P2P lending for strong returns.
Regional and Rural Areas
While regional and rural areas are higher risk, don’t overlook the potential for high returns on local loans or small businesses in these areas. P2P platforms focused on these regions can give you investment opportunities.
Invest $100,000
Research P2P lending platforms for their track record, transparency, interest rates, borrower screening process and fees. Choose platforms with good reputation and low risk loans to increase the stability of your returns.
To spread risk and maximise returns, diversify your investment across different loan types and borrower profiles. Make sure you balance higher risk loans with lower risk ones to get a steady income stream.
Get advice from financial experts or investment advisors who understand P2P lending strategies. They can help you make investment decisions and fine tune your portfolio to suit your financial goals and risk appetite.
P2P lending is an alternative investment option that gives you robust returns and diversification. By choosing the right platforms, spreading risk across different loans and working with professionals you can navigate this space with ease.
FAQs
How do I diversify my $100,000 portfolio in 2025?
Diversify across stocks, bonds, real estate and alternative investments like P2P lending. Spreading risk gives you stability by taking advantage of different asset classes growth.
Diversification across industries, geographical regions and risk profiles balances high and low risk assets, reduces the chances of big losses. A mix of defensive and growth assets is for long term portfolio growth.
What are the best ETFs to invest in Australia for 2025?
Best ETFs for 2025 are those that focus on Australian and global equities, especially in sectors like technology and renewable energy. Some of the top ETFs include iShares S&P/ASX 200 and Betashares ETFs.
These ETFs give you exposure to diversified sectors, for long term growth. They are good for getting exposure to specific industries while reducing risk through their broad market coverage.
Should I invest in Australian shares or international markets with $100,000?
For a balanced approach, investing in both Australian shares and international markets gives you diversification. You get local stability and international growth, reducing geographical risk.
Australian shares are familiar but international shares may perform better in high growth sectors. Having both in your portfolio increases potential returns and spreads the investment risk globally.
What are the tax implications of investing $100,000 in Australia?
Investing in Australia is taxed on income, capital gains and dividends. Capital gains tax applies on asset type and holding period. Dividend income is taxed unless franked.
Tax implications like capital gains and dividend tax can impact returns. Understanding these taxes helps you optimise your investment strategy by reducing tax and maximising gains, especially through tax efficient assets or structures.
How do I generate passive income with $100,000 in 2025?
Generate passive income by investing in dividend stocks, REITs, bonds or P2P lending. These options give you regular cash flow while your investments grow with minimal ongoing effort.
Build a diversified passive income portfolio across these assets to balance risk and get steady income. Make sure your investments align with your income goals, choose those with regular income and relatively stable growth.
What are the risks of investing $100,000 in the Australian market today?
Current market risks are economic uncertainty, interest rate fluctuations and geopolitical tensions. These can impact asset performance especially in short term for equities and real estate.
Another big risk is market liquidity which can affect your ability to buy or sell assets at good prices. Knowing these risks can help you make informed decisions and protect your returns.
Managed funds or direct shares with $100,000?
Managed funds give you professional management, diversification and lower individual effort. They are good for those who want exposure to the markets without direct management, with moderate risk tolerance.
Direct shares give you more control but require more research and expertise. They can give you higher returns but individual risk. You need to assess your personal preferences and expertise when choosing.
How does the Australian economy look for 2025 impact my $100,000?
The Australian economy is expected to grow moderately in 2025 driven by infrastructure projects and consumer spending. But inflation and interest rate hikes could impact returns.
Economic conditions like employment rates, wage growth and domestic spending can drive sectors like retail and housing. Knowing these will help you make investment decisions to align with the trends.
What are the benefits of investing in REITs in Australia with $100,000?
REITs give you exposure to commercial property markets, regular dividend income and capital growth. You can participate in property growth without owning physical assets.
They are good for diversification and passive income and benefit from long term growth of Australian property markets. And liquidity compared to direct property investments.
How do I use my $100,000 to plan for retirement in Australia?
Invest your $100,000 in diversified retirement assets like growth focused ETFs, managed funds or super to build long term wealth. Make regular contributions and take advantage of compounding.
Planning for retirement also means diversifying into income generating assets like dividend stocks or REITs. Strategic allocation will give you steady income in retirement and capital growth during the accumulation phase.
What are the best short term investment options for $100,000 in 2025?
Short term options for 2025 are high interest savings accounts, term deposits or short term bond funds. These options give lower risk and protect your capital while still giving moderate returns.
Or consider diversified short term ETFs that focus on conservative sectors like utilities or bonds. They give you liquidity and quick access to your funds while maintaining low volatility and stable returns over short term.
How do I invest $100,000 ethically in Australia?
Invest in ethical ETFs or mutual funds that consider environmental, social and governance (ESG) factors. There are funds that focus on companies with sustainable practices and values aligned with ethical investing.
Also consider community investment schemes or renewable energy projects that align with your values. Ethical investing helps build a better future while generating returns from businesses that have positive social impact.
What are the benefits of investing in government bonds with $100,000?
Government bonds give you stability and predictable returns so are low risk for conservative investors. They give you fixed interest income over time and can be a good addition to your diversification.
And government bonds can be a safe haven during economic downturns. Their steady returns give you security and help balance out the more volatile assets in your portfolio, a hedge against market fluctuations.
How do I use my $100,000 to buy property in Australia?
Use your $100,000 as a deposit to buy property with strong rental income potential. This will give you access to higher value properties with a mortgage.
Strategic leverage will also give you property growth while maintaining lower exposure. Be aware of interest rates and other costs when leveraging for property investment to ensure long term profitability.
What are the returns on a $100,000 investment in the Australian stock market?
The Australian stock market has historically given average returns of 7-9% per annum. Investment returns depend on market conditions and individual stocks. Growth stocks give higher returns.
Dividend stocks can give you extra returns with regular dividends. Long term investments generally give higher growth as time allows for compounding. Make sure you have diversified stock holdings to reduce risk and increase potential returns.
How do I protect my $100,000 from inflation in 2025?
To protect against inflation consider investing in assets with inflation linked returns like Treasury Inflation Protected Securities (TIPS) or commodities like gold. These assets tend to perform well during inflationary periods.
Also investing in real estate, stocks in growth sectors and REITs can give you hedge benefits. Focus on assets with physical value and those that grow faster than inflation so your investment maintains its purchasing power.
What are the best online platforms to invest $100,000 in Australia?
Top online platforms in Australia are SelfWealth, CommSec and Spaceship which offer a range of ETFs, shares and managed funds. These platforms are user friendly.
For more specific investment strategies consider platforms that offer ethical, ESG focused investments or P2P lending. Choose platforms with low fees and strong security to ensure safe and profitable investments over time.
How do I split $100,000 across asset classes in 2025?
A diversified approach would split the investment across stocks, bonds, property and alternative investments like P2P lending. This balances risk and potential growth and has the portfolio performing well across sectors.
For example 60% to equities, 20% to real estate or REITs, 10% to bonds and 10% to alternative investments. Rebalance periodically to stay in line with your risk tolerance and goals.
Originally Published: https://www.starinvestment.com.au/where-to-invest-100k-2025-australia/
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