Invest $100k – Best Ways To Invest $100,000

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Please note that we are not authorised to provide any investment advice. The content on this page is for information purposes only.

We know investing $100k is a tough decision, but it’s worth it if spent wisely. To save your time, we’ll be discussing how to handle wild market swings while booking profit.

In this guide, we’ll discuss the best ways to invest $100k safely and efficiently.

#1 Broker to Invest $100k – eToro

Our score10
  • Invest in a wide range of cryptocurrencies
  • Ability to copy more experienced investors and their decisions
  • eToro crypto wallet included which makes it beginner-friendly
0% Commissionstart TradingOur score 10

How To Invest $100k – Choose a Broker

  • eToro – Overall Best Broker to Invest $100k
  • TD Ameritrade – Best For Asset diversity
  • Fidelity – Best Trading Platform For Long-term Investors

Below, you’ll find a detailed overview of each broker – all suited for a $100k investment.

Best Ways to Invest $100k in the US – Overview

There are thousands of investment ideas to invest $100k, but not all are reliable and safe. So, our team of experts has narrowed it down to the best five one. Following are the selected best ways to invest $100k:

  • Cryptocurrency – Overall, the best way to invest $100k in the US.
  • Stocks and Shares – Invest $100k in stocks and shares
  • Copy Trading – Invest $100k passively into an experienced trader
  • Index Funds – A way to earn with the lowest associated risk
  • Gold – Easy investment in gold through ETF

We have also provided a detailed analysis of each of the above investment ideas to help you choose the one that suits you.

How to Invest $100k in the US – A Quick Guide For 2021

However, financial market investing is not that easy, but it can be hassle-free if you follow the following guide.

  • Step 1: Sign-up at eToro – eToro is the leading broker that provides more than thousands of markets at the lowest commissions. It’s by far the best option to invest $100k. Click on the “Join Now” button to open an account.
  • Step 2: KYC – For the security of your account, eToro will verify your identity by either asking for a passport or driver’s license.
  • Step 3: Deposit Funds – You can easily deposit funds into your eToro account using UK/US debit or credit cards, bank transfers, and e-wallets.
  • Step 4: Choose an asset – As one of the best brokers, eToro supports cryptocurrencies, stocks, ETFs, commodities, and more. To choose the asset you wish to invest in, just click on the “Trade Markets” button, you will see the list of all markets that eToro offers.
  • Step 5: $100k investment – Once you have decided on an asset to invest in, click on the “Trade” button. Now, enter the amount you wish to invest in this asset and click the “Open Trade” button to lock the trade.

That’s all it needs from you to invest in any asset in a safe and low-cost way. However, if this process sounds new to you, then do have a further detailed guide.

67% of retail investor accounts lose money when trading CFDs with this provider.

Step 1: Where to Invest $100k – Full Broker Reviews

When investing $100k into any of the financial markets, you should find a broker that is FINRA registered, can give you access to multiple markets, and provide low fees on trading.

Keeping all these factors in mind, we have selected some top US brokers to help you invest $100k in a secure and low-cost way.

1. eToro – Overall Best Broker to Invest $100k

eToro serves as one of the best trading platforms for both: beginner as well as pro traders. It is an award-winning trading platform specially designed for beginners. Anyone can open an account, deposit funds, and invest within five minutes from start to finish.

Once you have signed up, you get access to several huge markets. If you are interested in buying shares, eToro offers more than thousands of stocks from 17 exchanges. It covers stocks from the US, Europe, Asia, UK, and more. Plus, you get access to index funds and ETFs, which is excellent, especially when you have a $100k portfolio.

etoro review

You also get access to cryptocurrencies if you know how to handle the wild market swings. The best thing about eToro is that it allows you to start trading from just $50 even if you buy Amazon shares, which are currently at $3288.

An additional feature to get started as a beginner is eToro’s copy trading tool. It enables you to follow experienced traders with proven track records and book a profit equivalent to theirs. You can start depositing from any US visa and debit card. eToro also supports payment from e-wallets such as Skrill and PayPal.

Tradable securities include:

  • Stocks
  • Mutual funds
  • ETFs
  • Cryptocurrency
  • Forex
  • CFDs


  • Trading at 0% commission and zero stamp duty
  • Minimum investment starts from $50
  • Regulated
  • Copy-trading tool
  • Designed for beginners.


  • MT4 or MT5 is not supported
  • Extra basic for technical traders.

 67% of retail investor accounts lose money when trading CFDs with this provider.

2. TD Ameritrade – Best For Asset diversity

TD Ameritrade is a tough competition with a $0 fee per trade, free tools, and the availability of various financial markets. It’s the best match for beginner and active traders by providing quality trading platforms, a $0 commission on online stock, ETF trading, and a large section of mutual funds. It also offers Robo-advisors to help manage your portfolio based on your goals and risk tolerances.

Ameritrade offers free third-party research supported by highly reputable sources, which include Federal Reserve Economic Database (FRED), Morningstar, and the Center for Financial Research and Analysis (CFRA). However, you won’t be able to trade most cryptocurrencies on this platform, yet crypto coin trusts are available. Allowing qualified clients to trade Bitcoin futures from CME.

The tradable securities include:

  • Stocks
  • Bonds
  • Mutual funds
  • ETFs
  • Options
  • Futures
  • Forex
  • Foreign ADRs
  • IPOs only for verified accounts


  • Zero-commission
  • Free research
  • No account minimum
  • Vast investment section


  • No direct access to cryptocurrency
  • No fractional shares.

 67% of retail investor accounts lose money when trading CFDs with this provider.

3. Fidelity – Best Trading Platform For Long-term Investors

Fidelity is one of the most famous online brokers, which allows you to trade with 0$ commissions on stock, ETF, option trades, and index funds. Also, it features top-quality free research tools and an easy-to-use trading platform that is customizable for advanced traders.

The best thing about Fidelity is its educational resources and research options. Plus, it’s a renowned platform among retired individuals due to its retirement planning assistance.

You won’t find any cryptocurrency trading on this platform; however, crypto-based products are available.

The tradable securities of this platform include:

  • Stocks
  • Fractional shares
  • Bonds
  • Mutual funds
  • ETFs
  • Options.


  • Zero-commission
  • Strong research options
  • Expense-ratio-free index funds


  • High broker-assisted fee

 67% of retail investor accounts lose money when trading CFDs with this provider.

Step 2: Best Way to Invest $100k – Choose an Investment

Now, as we’ve reviewed the top US brokers, it’s time to choose an asset to invest in. As discussed earlier, you will find thousands of financial markets, each with its own risk and reward ratios. So, it’s crucial to do deep research before investing.

To help you double your investment, here are the best ways to invest $100k in the US.

Cryptocurrency – Trillion-Dollar Marketplace

Cryptocurrency is a digital currency that is independent of banks for any transactions. In other words, you get complete control of your hard-earned cash in the form of a digital coin stored in a wallet.

In less than a decade now, the cryptocurrency market has surpassed $2 trillion. The highest volume coin is Bitcoin, leading with a $47.63 billion volume (24hr). Bitcoin has started from 1 cent in 2009 to $64,000 in 2021. So, imagine if you had invested $100k in 2009, you would have been a billionaire today. But, don’t worry, it is still not too late.

Moreover, if you had invested $100 in DOGE coin in Jan 2021, you could have got $100k in June 2021. See, that’s how there are crypto-made billionaires, and you can be one of them.

However, being the best-performing asset, crypto is also the most volatile. For instance, in June 2021, Bitcoin went from $64,000 to $30,000 in a couple of months. Then, it recovered itself to $50000 in Sept 2021.

Considering all this, if you decide to invest in crypto, you must learn various risk-management strategies, market analysis and always have ears on crypto news.

Cryptocurrency Pros

  • Chance of getting 1000-10,000% gains in few months
  • Full-control of your portfolio
  • New technology – high chance of getting profit
  • 24/7 operating market
  • Now offered by FINRA-regulated brokers

Cryptocurrency Cons

  • Extremely volatile
  • Little regulation as it is new
  • High chances of scams

Stocks and Shares

Next is, investing $100k in stocks and shares of famous companies – hoping that their value will rise with time. Simply, it’s like buying some property at a low price and selling it when its price goes up. The only strategy is holding shares and stocks for the long or short term. Even though some people look to trade stocks on a short-term basis, but it is too risky.

So the best way to deal with this business is by holding the shares for the long term. Because the stock market is also volatile, holding for the long-term helps go through good and bad cycles.

If you are really onto buying the stocks and shares, let me further break down the strategy of experienced traders. The stocks and shares are all about keeping a keen eye on NEWS. For instance, if research comes out that Amazon has decided to launch their Amazon Go shops in various countries. It’s time you buy some Amazon shares because it’s inevitable that its value will rise.

In contrast, if you see any big celebrity defaming a brand, its dump is expected, so selling its stocks will be a wise strategy. Did you know Cristiano Ronaldo’s gesture of putting aside a bottle of Coca-Cola cost the company a $5 billion loss? Looking for such news is crucial if you don’t want to lose your funds.

Now, when you understand how to grab profit in this business, it’s time to find a trusted broker who can help you trade shares and stocks of well-known companies. Since it’s best to invest in multiple companies rather than one. Experts suggest eToro exchange, where you can find companies that formed Dow Jones Industrial Average, RUSSEL 2000, and more indexes. These indexes consist of numbers of the largest firms that are publicly listed in the US.

Stocks and Shares Pros

  • More than thousands of stocks and shares to choose from
  • Full portfolio control
  • Many stocks pay dividends
  • Best for long-term investments.

Stocks and Shares Cons

  • No overnight profit
  • Volatile market.


The third double-your-investment idea is by investing with the help of the Copy-trading tool of eToro. If you are a new trader and aren’t getting much about trading strategies of crypto, stocks, and shares, it’s a perfect trading tool for you. This tool allows you to invest while following an experienced and successful trader with a proven track record. Moreover, professional traders will help you to get the most out of this volatile market.

For instance, you decide to invest $100k into an eToro trader who has expertise in crypto. If the trader allocates 40% of their portfolio into Bitcoin, based on your investment, you will assign 40% into bitcoin automatically without lifting a finger. Then suppose the trader sells the Bitcoin at a 15% profit; you will do the same and book yourself a 15% profit without doing anything. So, it’s a great way to earn without being an expert trader.

The amazing thing about eToro is that you get to copy thousands of verified trading experts in various markets. And when it comes to fees, eToro doesn’t charge a penny for its copy trading tool. The only thing required is a $500 investment for copying a single trader. So, with $100k, you can copy 200 trading experts.

Copy-Trading Pros

  • Thousands of verified trading experts
  • No additional fees
  • eToro verified
  • Easy addition or removal of assets from a portfolio

Copy-Trading Cons

  • Your strategy won’t be applicable
  • No 100% guarantee of getting a profit.

Index funds

No doubt, investing in the financial market as a beginner is extremely risky. Because deciding where to invest and how to book profit requires immense experience and strategies. Therefore, we suggest you stick with index funds if you are a newbie.

The reason we are suggesting index funds is that it allows you to invest in different assets passively. Because index fund managers will decide and use their experience to determine which asset to invest in. This means that you won’t have to do anything after investing your amount.

Now, when you have made up your mind about investing in index funds, there are some basics that we would like to share with you. However, there are over hundreds of index funds circulating in the US marketplace. Yet, it’s best to focus on authentic and long-standing index funds like S&P 500. It consists of well-known and some of the largest brands globally. For instance, investing $100k in S&P 500 means you are indirectly buying shares in Tesla, Apple, Facebook, Microsoft, Google, Amazon, Nike, and 100 more.

The notable point about an index fund is that its weightage is directly dependent on the company’s performance. For example, Apple shares contribute 6.2%, whereas Amazon contributes 3.9% to the S&P 500. Plus, if you consider its price performance, the S&P 500 index has average gains of 10% annually. And you will also earn from the index fund pay dividends from most shares every three months.

If the method is what excites you the most, then you can easily invest in it from the comfort of your home. By using eToro, where the minimum stake starts from just $50. Also, eToro offers other famous index funds too. The process is straightforward.

Index Funds Pros

  • For inexperienced traders
  • Completely passive
  • Anytime cash-out
  • Extra profit from dividends.

Index Funds Cons

  • The index fund manager will have the most control over your portfolio
  • Maintenance fees apply annually.


Gold is a valuable asset whose price has been surging over recent years. Investing your money into this asset is a great idea. However, most people have a misconception that investing in gold means buying gold bars or coins that will need a safe place to keep them. Well, that’s not the case in the age of online brokers.

Now, you can invest in gold in minutes using an Exchange Traded Fund (ETF). In simple words, ETF will personally buy and store gold on behalf of its investors. The best thing about it is that with the gain in the price of gold, the ETF value will also increase. So, it’s like having golden bars at your house. Plus, the ETFs are highly liquid. This means that you can enter and exit the market at any given standard market hours.

When it comes to market performance, gold is quite volatile. The trends show that the bad cycles in stock markets positively impact gold’s value like it was in 2008. In contrast, the stock market surging means that the gold is losing its value. So, as an investor, you might want to keep an eye on it before investing.

If this sounds great, you can easily buy the ETF from one of the well-known ETF providers, SPDR, which holds almost 1000 tons of gold. And it is also recommended by experts for trading ETFs safely.

Gold Pros

  • Easy investing through ETF providers
  • No gold storage is required
  • Attractive when the stock market is crashing

Gold Cons

  • More volatile than stocks
  • No profit from dividends.

Step 3: How to Invest $100k – Detailed Walkthrough

Until now, we have discussed all the best brokers and investment ideas. The final step is to show you how you can invest $100k using eToro. Let’s walk you through this easy-to-use and simple platform.


First of all, sign in or create your account by heading over to the eToro official website and entering your personal information. Personal information includes name, email, date of birth, home address, and mobile number. After making an account, you have to verify your identity. You can complete the verification process by uploading a copy of your ID card, passport, or driver’s license.

how to join etoro

Deposit Funds

After signing up, deposit your $100k into an eToro account using any means such as US debit/credit card, e-wallet, or bank transfer. The minimum deposit is $200, just to let the beginners test the depth of the market.

Find an asset

Now, invest your funds in any of the given financial markets. To see the list of markets eToro offers, click the “Trade Markets’ button, and it will bring all the markets that it supports.

Complete Investment

When you have chosen the asset to invest in, click the “Trade” button on the side of the asset. Then, you will see a dialogue box on your screen where you will decide the amount you wish to invest in this asset.

eToro operates in US dollars; you can invest by entering the amount in the given section. Now, it’s up to you, whether to invest all your money in one asset or diversify it into multiple markets. Minimum investment starts from $25 on crypto and $50 on other markets.

Once you have entered the amount, click the “Open Trade” button to complete your investment.


Here, we have discussed some of the best ideas to invest $100k that can generate you more than what you have invested. Besides that, we’ve discussed a list of trusted brokers to introduce you to financial markets, so you can safely invest your money.

So we can conclude that eToro is the most suitable and trusted broker with far better options than its competitors. As it introduces you to almost every US financial market with the lowest fees you will find in the US brokerage arena. Plus, the process of investing $100k will barely take more than 5 minutes.

eToro – Best Broker to Invest $100k

Our score10
  • Invest in a wide range of cryptocurrencies
  • Ability to copy more experienced investors and their decisions
  • eToro crypto wallet included which makes it beginner-friendly
0% Commissionstart TradingOur score 10


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About Sunny Mujtaba PRO INVESTOR

Sunny is an SEO copywriter. He helps businesses and blog owners at getting more traffic and increase their sales. He has worked with some of the top brands in Canada and the UK. With 3+ years of experience, he knows how to turn heads and convert leads into customers.