Best Short-Term Investment Opportunities in 2022

by contentwriter

Author: Mike Ross

Everyone wants to make passive income, but not everyone knows how. With so many options on the internet, it can be overwhelming to decide where to invest your money. If you are looking for a way to take profits in the short-term, certain investments tend to do better than others.

Let’s review the top three short-term investments in 2022.

  • Money Market Accounts

A money market account provides a greater interest rate than a savings account, but it has a minimum investment requirement. CIT Bank seems to be a good choice in this regard. This is because they offer no minimum balance or limitation. 

To get started, you need to deposit a $100 starting deposit. CIT charges no monthly servicing costs. 

  • High Yield Savings Accounts

Most banks do not provide customers with the option to profit from a high return savings account. But in recent years, there has been a slew of startup banks offering online savings accounts with better interest rates than most traditional banks. 

Marcus looks like a good choice in this regard. Marcus offers only a few financial options with high rewards. If you’re looking for a high-yield savings account or a high-yield certificate of deposit, this online bank has one of the finest APYs. 

  • Short Term Bonds

A short-term bond can mature in a short period. Short-term bonds are less risky since the principal is returned faster and maybe re-invested pleasurably. However, the length is more than the time it takes to mature. 


Short-term bonds often produce higher interest rates than money market funds, implying a better potential for long-term income growth. Short-term bonds tend to be a better investment option than money market funds. 

To purchase the United States savings bonds, visit the TreasuryDirect website. You may also be able to use your federal income tax refund for savings bonds.

  • Certificates of Deposit

A certificate of deposit (CD) is comparable to a savings or money market account, except that it cannot be liquidated before the maturity date. 

Basically, you are lending the bank the money for a set period of time and agree not to return it until the agreed date, which might be three months, six months, a year, or more. 

The minimum balance on a CD is the same as the minimum bank account opening, which is between $0 – $10,000, depending on the bank. 

But how much money you can earn depends on so many factors, including the interest rate offered by the bank and the period of the CD. Here’s an illustration: A $5,000 investment in a 3-year CD with a 0.80 percent APY may yield around $120 at the end of the period, while you can earn more if the CD period is more than 3 years, and vice-versa. 


Always have cash reserves in liquid savings account that you can access if needed. However, investing in the long term or short term is paramount. Even when interest rates are low, money market funds, annuities, government bonds, and high-grade corporate debt are some of the greatest low-risk, high-yielding investments.


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