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World Financial Crisis is often the best time to get into the market, and 2020 shows all the indicators, with many economists predicting another crash and international traders becoming wary of recession in the most significant global economies.

History shows that when recession looms, the bold investors leap into action and generally come out the other side with billions of dollars in profits. One such example is George Soros, who famously "broke the Bank of England" in 1992 and again when he triggered the Asian Financial Crisis in 1997.

Best Return on Investment [ROI] for 2020

Return on Investment (ROI) is essential whatever your income bracket, and we have put together some Top Investment Opportunities that will help you to decide where to put your money in 2020.

There is no hard and fast rule to an investment portfolio, and most economists advise having more than one class type as a way of hedging against market inflationary evils that affect not only national fiscal security, but the world economy as a whole.


Long term investment in US stocks or equities is still holding their own, whereas the emerging markets are not doing as well. Western markets in Europe and the UK have taken a knock because of Brexit, and the industrial output and growth of China continues to slow.

In the United States, technology companies like Microsoft, Apple, and Google and technology stocks listed on the S&P 500 or NASDAQ will show higher returns in three to five years.

ROI can be as much as 10% to 20% in three to five years, and the amount you invest can be as little as $1000 up to a million dollars.

Who Can Invest: people with over $100,000 annual income

Investment Period: 5 to 10 years

Initial Investment: $1000 to $10,000

ROI: 10% to 20%

Risk: Medium to High


Exchange-Traded Funds [ETFs] are long term investment with fairly low risk. If you are a little wary of Equity investments, and ETF offers fund protection with some stock flexibility.

The wide range of ETFs also gives a broader portfolio spread in commodities, currencies, gold, and other precious metals, real estate, bonds, and stocks. For example, with a $5000 investment in stocks, with ETF, you could break this amount down to $2000 into S&P Depository Receipts and split the remaining into $1000 in Euro ETF and $2000 in Gold ETF.

There is one significant disadvantage with ETFs, and that is the broker charges – some charge as much as 10% per trade.

Who Can Invest: people with over $100,000 annual income

Investment Period: NA [does not apply]

Initial Investment: $5000 to $10,000

ROI: 10% to 12%

Risk: very risky


Mutual Funds suit investors who do not spend a lot of time following the markets. Although equities have risks attached, there are almost zero risks attached to mutual funds, and you can cherry-pick from stocks in a variety of sectors.

There is also the added advantage of having a fund manager to make the decisions if you do not want to manage your own mutual fund portfolio actively. However, there are fees attached, and you can expect an annual charge of 1.25% to 2%.

Who Can Invest: People who earn more than $125,000 annual income

Investment Period: Long term – 10 to 15 years

Initial Investment: from $1000 with no limit

ROI: 10% to 12%

Risk: Low risk


The government offers an investment alternative. In the United States, government bonds are referred to as "Treasuries," and in the United Kingdom, they are "Gilts." Their earning potential is good, but questions always arise on the measure of risk.

US Savings Bonds: In the United States, investors have two savings bond options – Series EE has fixed interest rates, and Series I has inflation rate adjusted interest rate attached.

Private- Purpose Bonds: Investors living outside the United States this is an alternative non-governmental option, often referred to as "taxable municipal bonds," and it is important to remember that they are taxable.

Who Can Invest: mid-income group

Investment Period: Long term – 10 to 15 years

Initial Investment: $5,000 to $10,000

ROI: Good

Risk: med to high risk

COMMODITIES - Precious Metals

Although gold does not back global currencies, it remains essential to many international central and financial institutions, like the IMF (International Monetary Fund), who collectively hold more than one-fifth of the world's reserve of above-ground gold bullion.

Three ways to invest in gold are through ETFs, stock/shares in mining companies, and buying bullion.


You can buy gold to hold as a long-term investment, whether on-line through a bullion broker, or keep it in a bank or your home. You pay the price per Troy Ounce, and return on investment is variable depending on the market between 3% to 10%.

Gold ETFs

Gold ETFs are funds held in securities that may or may not be backed by physical gold bullion. For this reason, investors cannot request physical delivery of gold and will be paid out in the currency which they purchased at the market exchange rate.

Mining Stocks

Mining stock prices are affected by the gold price. Therefore, when there is a run on the gold price, the stock value of a gold mining house will also take a hit.

Who Can Invest: Anyone

Investment Period: usually long term

Initial Investment: $5000 – no limit

ROI: 3% to 10% (depends on period)

Risk: Low to medium


Fixed-term deposits are not for everyone because the interest rates determine the ROI. Europe, the United States, Japan, UK, and others give lower interest rates on fixed deposits and savings accounts, and they do attract tax. This is also a long-term investment and has a slight risk.

Who Can Invest: Anyone

Investment Period: very long term

Initial Investment: usually £1000

ROI: depends on the interest rate which could even be below 1%

Risk: Low to zero


Company or Corporate FDs generally offer a high ROI of 10% to 12%, making them a better investment than Bank FDs.

The interest rate depends on the length of stay your money has within the investment, and for this reason, there is more risk attached because your money is tied up with the company's liquidity, and if they fail to perform, so will your investment.

Therefore, you should do a lot of homework and invest in a company that has strong growth potential with proper foundation management.

Who Can Invest: Salaried High Income

Investment Period: at least 10 years

Initial Investment: $10,000 to unlimited

ROI: 10 to 12%

Risk: medium risk


Initial Public Offering (IPO) is the new stock issuance or the first public offering of shares by a private corporation. This is generally the method by which a private company becomes a public company to raise capital from public investors. The public investors in IPOs fit into a different income bracket from the average Joe Public and often are brokers and other corporate investment companies: they have a lot of money to spend and can afford to take a long term, high-risk approach to making money.

When deciding on and IPO investment, it behooves investors to macro-economic research not only the company directors but also the market in which they function and make long term analysis predictions of where the company will be along with their competitors in say 10 to 20 years.

In the cryptocurrency ecosystem, it is called an ICO: the difference being that with ICO, investors buy coins or digital currency which, while considered asset class investment, are not backed substantially by fiat currency and therefore have zero liquidity.

Who Can Invest: High earners – over $500,000 annual income

Investment Period: NA – but usually long term

Initial Investment: at least $50,000 to $100,000

ROI: the sky’s the limit!

Risk: Very High Risk


Seed funding or equity-based funding means investing in a new business that holds growth and profit potential. Seed funders also own a percentage share of the company and are therefore entitled to a regular income from profits.

There are many forms of seed funding, and one of the most popular in recent years is the formation of investment clubs. The investors have the opportunity to invest in a start-up, and they can also invest in their own seed-funded organization, which then becomes a mini-corporation for investment into an extensive portfolio.

Seed funding is attached to risk, and if the company does not operate with sound financial management, it is a sure way to lose a ton of money.

However, ROI is HIGH and there are great start-up stories to show this is a wonderful method of investment.

The size of the project depends on how much you will need to invest – some seed-funded businesses started with a few thousand dollars.

Who Can Invest: Anyone who has spare cash

Investment Period: at least 5 years - usually long term

Initial Investment: depends on the project

ROI: depends on the business

Risk: medium to high


Real Estate is always valuable in an investment portfolio, and Europe has some attractive real estate investment potential for 2020. The value lies not only in Capital Gains, but with buy-to-let, there is the added advantage of having a monthly rental income.

Around the world, there are opportunities for property investment. If the property prices are flat in one area, say in New York, there could be better options to buy into a property in Singapore or Dubai.

In the United Kingdom, the prices have stayed low after the 2008 crash, but some indicators show property prices will rise as a result of Brexit. The other side of this coin is Hong Kong – property prices have increased over 135% in recent times, so buying at the peak might not be the best investment strategy.

Real Estate Agents and Professionals all sing from the same sheet – Location, Location, Location! Therefore, to get a high ROI, you have to find the right property in the right city.

Who Can Invest: Anyone who can afford to pay cash

Investment Period: at least 5 years – but be prepared to go longer if there is a shift in market

Initial Investment: depends on the property

ROI: depends on the national economy

Risk: Medium

Final thoughts on Investing for 2020

Pension Plans and Public Provident Funds, IRAs, and 401(k), Treasury Securities such as TIPS (Treasury Inflation-Protected Securities) are aimed at making investment possible for salaried individuals. These investment opportunities often give a decent ROI of 5% or more, and none require a great deal of capital outlay.