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# Where Should I Stick My Hard-Earned Dough? Best Aussie Investment Options
- URL: https://www.baldmoney.com/where-should-i-stick-my-hard-earned-dough/
- Published: 2025-01-27T10:31:54.000Z
- Updated: 2026-06-13T07:19:28.000Z
- Description: Cut through the noise and discover where to invest money in Australia. From paying down debt to index ETFs and crypto, here is where your cash works hardest.
- Author: Baron Barnet

Got some spare cash sitting around and wondering **where to invest money in Australia**? You are in the right place.

If you're looking at **how to invest money in Australia**, it's easy to get overwhelmed by complex financial jargon. That's why I've put together this quick cheat-sheet for **investing for beginners in Australia**, comparing some of the **best investment options Australia** has to offer, ordered by their expected returns.

Remember, higher potential returns always come with a higher risk of crying yourself to sleep. Make sure to consider low-cost options like the **best index funds in Australia** to do the heavy lifting for your wealth portfolio.

| Investment Type                       | Expected Return  |
| ------------------------------------- | ---------------- |
| Paying off credit card debt           | \-15.0% - 0%     |
| Installing solar panels on your house | 5.0% - 15.0%     |
| Real estate investment property       | 5.0% - 15.0%     |
| Electric vehicle                      | 2% - 3%          |
| Collecting wine                       | \-20% - 20%      |
| Cryptocurrencies                      | 100% - 100,000%  |
| Individual stocks                     | \-100% - 10,000% |
| Index ETFs                            | 7.0% - 10.0%     |
| Savings account                       | 0.1% - 4.8%      |
| Bonds                                 | 2.5% - 6.0%      |
| Money market account                  | 0.10% - 0.50%    |
| Current account                       | 0.01% - 0.10%    |

Before you run off and stick all your hard-earned dough into JPEG files or vintage Shiraz, take a moment to look at your overall financial plan. Start by nuking high-interest debt, lock in guaranteed wins (like lowering your power bills), and then let low-fee index trackers compound your wealth over the long haul.