One of the questions I get asked most often — on YouTube, Facebook, and even in private messages — is: “David, I have GHS 20,000 / $1,000 / GHS 50,000… what’s the best investment to put this money in for maximum returns?”
I’ve done deep research and added real-life examples of my own investments and those with the best returns. In this article, I’ll share with you five of the best ways to invest your money if you’re serious about building wealth, earning passive income, and achieving financial freedom.
If you apply these strategies with discipline, within the next 5–10 years, your financial story could completely change.
- Invest in Land or Real Estate
Land is one of the most stable investments you’ll ever make. Why? Because land always appreciates in value as urbanization grows.
I know someone who bought a plot in Accra for just GHS 300 over a decade ago — today, he sold it for over GHS 200,000. That’s the power of land.
While houses also bring good returns (especially within the first 5 years), they can depreciate with time unless you renovate. But land almost always goes up in value. If you can, start buying land now — even in rural or developing areas.
- Invest in Your Own Business
Starting and growing your own business is another powerful way to multiply your money. Unlike putting your money in someone else’s hands, when you invest in your own business, you’re fueling your passion, your dream, and your potential.
Yes, there are risks, but because it’s your money and your vision, you’ll give it your all. That commitment often translates into higher returns than almost any other investment.
- Invest in the S&P 500 Index Fund
For those who want a proven and diversified investment, the S&P 500 is one of the best. It tracks the 500 biggest U.S. companies — from tech to real estate to healthcare — giving you a spread of opportunities.
Historically, the S&P 500 has given an average of 10% annual returns. That means, on average, you could double your money in about 6 years. It’s not flashy, but it’s safe, consistent, and powerful in the long run.
- Invest in Someone Else’s Business (Equity or Bonds)
Sometimes, the best way to grow wealth is to spot opportunities in others’ businesses. If you know someone with a promising startup, you can invest either for equity (ownership) or a bond-like agreement (fixed returns over time).
For example, Mark Zuckerberg’s friend invested just $15,000 in Facebook back in the early days. That small investment is worth over $19 billion today.
But be careful: not every business will succeed. Do thorough research, understand the industry, and ensure clear legal agreements before putting your money in.
- Invest in Cryptocurrency
Crypto is by far the riskiest investment on this list — but it can also give you the highest returns.
In 2013, one Bitcoin was just $131. By 2024, it reached over $73,000. If you had invested just $200 back then, you’d be a millionaire today.
But remember: crypto is highly volatile. Billionaires have risen and fallen overnight. If you decide to invest, only put in money you can afford to lose — and always do your research.
To sum it up, knowledge is the Greatest Investment, all these five investment options have the potential to transform your financial future. But here’s the truth: none of them will work if you don’t invest in yourself first.
The right mindset, knowledge, and discipline will determine whether your money grows or disappears. That’s why I always encourage people to read, learn, and seek guidance.
If you want to go deeper into financial freedom strategies, I dedicated an entire chapter (Chapter 11) of my book Achieving Your Greatest Dreams: How to Move from Where You Are to Where You Really Want to Be
to this subject.
This book will awaken your potential, fire you up, and guide you step by step to financial independence. Grab your copy here
.
