What to do with 50,000 euros saved to increase your wealth?

The idea of having 50,000 euros in the bank account is, for many, an impossible idea, a dream that can never come true. However, it is important to change your mindset, as this achievement is not a simple coincidence or a stroke of luck. Reaching this figure is the result of smart financial decisions, sustained saving effort, or, in some cases, the arrival of an inheritance or extraordinary income.

However, how can you go from having this capital available to using it as a real tool for wealth growth?

It is important to highlight that, when talking about having 50,000 euros in the bank, we are not simply focusing on saving: we are talking about making an investment with criteria, with a strategy tailored to your goals. Here, we want to help you evaluate real, profitable, and diversified options.

Is 50,000 euros a good amount to start investing?

The answer is short and affirmative: yes. Having 50,000 euros available in your account puts you in a privileged position compared to the average. According to the Bank of Spain, the average net financial savings of households is around 45,000 euros per family. However, this information must be considered taking into account factors like significant disparities between generations and income levels.

This capital allows you to propose a much more ambitious investment strategy, with room to diversify as well as choose products that fit different time horizons. Don’t fall into the “I need to wait” trap to start investing: what’s important is to move your money wisely and with a strategy.

Objective before investing: What do you expect to achieve?

Yes, the idea of investing might sound attractive and you might already have in mind that you want to take this step with your savings. However, before choosing assets or percentages, it’s important that you stop and answer one question: Why do you want to grow your money?

This question might surprise you, especially because you may think it’s as simple as saying “I want to have more money”. And yes, that’s a valid answer, but there are some “buts.”

It’s not the same to invest with the goal of complementing your retirement as it is to invest with the intention of generating passive income in the medium term. Some of the most common goals that lead people to invest savings are:

• Saving for retirement
• Achieving financial independence
• Creating an additional source of income
• Buying a property in the future

Your time horizon and risk tolerance will determine which products are most suitable. As a reference, you can explore the 4% rule, a formula commonly used to estimate how much capital you need to live off your investments.

Alternatives to grow your wealth with 50,000 euros

Having different options is a clear advantage… But it can also be a risk if you don’t know them well. Below, we’ll dive into some of the main ways to profit from your capital:

Equity Investment

Investing in stocks or index funds can offer returns of over 6% annually, especially if held long-term. It requires understanding market cycles and accepting some volatility. You can access it through traditional brokers or digital platforms with lower fees.

Real Estate Investment

Although buying a full apartment might not be viable, there are options like real estate crowdfunding that we recently discussed. This allows you to invest in properties from lower amounts. It can offer stable returns but also comes with expenses, long durations, and the risk of defaults.

Treasury Bills and Fixed Income

In high interest rate environments, products like Treasury bills become attractive again. They are conservative options, useful for maintaining liquidity or taking on less risk. On our blog, we analyze whether investing in Treasury bills is truly safe.

Alternative Financing or Crowdlending

A growing option for those seeking higher returns without waiting decades. On platforms like Inversa, you can enjoy advantages such as:

• Investing in invoices and promissory notes from real companies
• Obtaining annual returns between 6% and 9%, with durations of 30 to 180 days
• Easily diversify your portfolio

If you want to dive deeper into this topic, we encourage you to read our blog about what crowdlending is.

One thing to keep in mind is that diversification is extremely important. This way, you balance risk and return, adapting to different market conditions.

What mistakes to avoid with 50,000 euros saved?

Don’t think that, when you have 50,000 euros saved, everything will be smooth and the profits will come easily. Some of the most common mistakes made by those taking their first steps with significant sums include:

• Not setting clear objectives
• Investing simply because it’s trendy, without fully understanding the product
• Seeking profitability without considering risk
• Not diversifying
• Not regularly reviewing the portfolio

Avoid being overconfident. While having professional help to stay informed is essential, it is also very important to stay in constant contact.

Start moving your money wisely

Having 50,000 euros saved is a great starting point. However, what will really make the difference is not the money you have saved, but what you do with it. Betting on a combination of assets, including alternative financing with a real impact on the economy, will allow you to grow your wealth without sacrificing security.

At Inversa, you can start investing from small amounts, with control over your decisions and access to real, transparent, and diversified opportunities. Don’t hesitate to contact us and take your savings to the next level.