People find another alternative to park their money because of distrust of the banks and other financial institutions.

Theory suggests that other banks should ignore that their positions have helped the mortgage bubble burst and a significant contraction due to its slow funding. Of course, after the coronavirus outbreak, banks became more resilient than the volatile stock market. But the same thing applies to these seven alternatives. In particular, one of the safest places to store money.

– The FDIC security for deposits makes banks look attractive in tough times, such as the coronavirus epidemic, but there are alternate places to put money.
– Federal bonds are known as highly secure but return very poorly.
– Real estate can raise money, but it can be costly.
– The alternative to stocks and bonds are valuable metals, particularly gold.
– Luxury investments are concrete, but returns on the stock lag.
– Cash hidden is not secure, and over time inflation loses value.
– Companies, including farms, are another place to bring capital.
– Cryptocurrency is a new choice, but it has its own risks.



Why Keep The Money Outside Of The Bank?

“Not one depositor has lost a penny of insured deposits since the FDIC was established in 1933,” notes the website of the Federal Deposit Insurance Corporation(FDIC). But FDIC insurance protects only ‘$250 thousand per depositor, per FDIC-insured bank, per type of possession.’ This extends to the original principle as well as any accrued interest.

In the last sixty years, S&P 500 Benchmark investments have produced an annual return of around 8%. However, the long-term trend for solid stock market returns is marked by downturns that shake particular investors’ confidence. In 2018, for example, the majority of stock indices fell by 4% to 6% overall. In ten years, we have reached the lowest record caused by the epidemic of coronavirus.

1. Federal bonds:

It would be more than willing to take your assets and issue the shares and a very safe one for the U.S. Treasury and Federal Reserve. A U.S. bond is also risk-free security in most textbooks.

Unfortunately, many people and institutions know this already and are well ahead of you in the bond market, where bid prices have reached deficient levels in this period of recession. The 10-year Treasury Note return was 0.73 percent on April 9, 2020, an all-time low. If the low prices do not deter you, government bonds are one of the safe places to store currency.

2. Real estate:

Real estate investment attraction can be high during troubled times for the banks and the stock market. Become a property owner. Download some of the principals, patch them a little, rent them out, and make their tenants repay the mortgage. Or, you may want to see flip houses if you are interested in a shorter-term chance and have more experience.

Right, land may have an immense financial payoff. However, the investment can also be dangerous and often inconsistent. Indeed, the total return on residential and diversified immovable investment over the last 20 years is much higher than the S&P 500 in the previous 20 years. But property may also be a nontrustworthy investment.

3. Precious metals:

One situation in which global economies cease to exist is to maintain, if not appreciate, their demand for gold, silver, and other metals such as platinum or copper.

The probability of returning to a physical goods trading scheme is negligible, but holding a specific proportion of your assets in this type may make sense. First, the historical link between precious metals and other types of help like stocks and shares, i.e., as such portfolios go to the south, is unlikely to pursue metals, at least very much, although they may also raise the value.

4. Luxury assets:

This range of tangible properties includes fine art, automobiles, jewelry, diamonds, and everything that can be called collectible. They are things that can be touched and seen on their behalf, similar to a bank account balance that could take years to accumulate if the financial institution that owned them ceased to exist.

In other words, luxury investment is not a particular bet. While statistics on their past returns are negligible, they usually assume that they have postponed stock market returns and that cycles of rapid appreciation are attributed to the virtuous financial results or expected times, resulting in improved rates and underlying demand.

5. Cash, hidden away:

While your money has become a cliché, it undoubtedly holds your funds nearby, if not inherently safe. Naturally, you should hide your money in secure storage or a safe deposit box.

Again, this technique is potentially either a doomsday situation or a short-term cash crunch. Yet, retaining just a little stash, not least because inflation continually erodes the currency’s value over time. Naturally, the other thing is true in deflation.

6. In a business, perhaps a farm:

Buying a corporation will provide the investment with a return, given that the company makes a profit, naturally. Naturally, companies also struggle in appalling conditions. If not consistently successful, a farm may be a particularly tangible enterprise.

You do not have to dirty our hands; you appoint employees to manage the actual farming activities on a so-called investment farm. Farmland is therefore well suited to a surviving attitude because it can provide food in the event of a global calamity or a global financial system collapse.

7. Cryptocurrency:

Another alternative investing choice is cryptocurrencies. A variety of options are available; Bitcoin is the most popular one. “cryptos” offer a rare opportunity for private buyers to enter into what is now a new technology.

There is also a high-risk, rewarding possibility, of course. For example, Bitcoin lost almost three-quarters of its value in 2018 following its rise to stratospheric heights. You shouldn’t spend a lot or any money on the cryptocurrency you will rely on for your future. But most experts think these alternate currencies will remain, and bold investors will want to take a share in one of them.

you can earn from your investments while you put your money into any major investments rather than the bank like federal bonds, real estate, precious metals, luxury assets, cryptocurrencies, etc.


As said above, you have to research all the safety and precaution before investing your money in any investments. Risk-free investments are good to put your money into but avoid putting money in any fraudulent scam. Do your research about investment parties that you are going to put your money in if you find them genuinely good; then you are safe to put your money in; otherwise, go for the other options.