In today’s financial landscape, the question “where can I get 10% interest on my money” is one that sparks curiosity and ambition among investors. It’s a bold goal, especially in an era where traditional savings accounts offer paltry returns, often less than 1%. But achieving a 10% return is not a pipe dream—it’s a target that, with the right strategies and a bit of risk tolerance, can be within reach. As someone who’s spent years navigating the world of personal finance and investment, I’m here to break down the most practical, expert-vetted options for earning that coveted 10% return in 2025. This guide will explore a range of opportunities, from low-risk to high-reward, while keeping your financial goals and safety in mind.
Why 10% Interest Is a Big Deal
Before diving into the “where,” let’s talk about the “why.” A 10% annual return is significantly higher than the average interest rates offered by traditional savings accounts or even most bonds. For context, the average savings account in the U.S. yields about 0.4% to 0.6% annually, according to recent FDIC data. Even high-yield savings accounts, which are often touted as a safe bet, typically top out at 4% to 5% in the best cases. So, aiming for 10% means stepping outside the comfort zone of conventional banking products and embracing investments that carry more risk but also greater potential.
The good news? There are multiple paths to achieve this goal, from stock market investments to real estate and alternative assets. The key is understanding your risk tolerance, time horizon, and financial objectives. Below, I’ll outline the most viable options for earning 10% interest—or more—while balancing safety, accessibility, and growth potential.
1. Dividend-Paying Stocks for Steady Returns
One of the most reliable ways to aim for a 10% return is through dividend-paying stocks. These are shares of companies that distribute a portion of their profits to shareholders, often quarterly. By carefully selecting high-yield dividend stocks, you can generate consistent income while also benefiting from potential stock price appreciation.
How It Works
Look for companies with a strong track record of paying dividends, ideally with a yield of 4% to 6% or higher. Combine this with moderate stock price growth, and you can realistically approach a 10% total return. For example, a stock with a 5% dividend yield and 5% annual price appreciation gets you to that magic number.
Best Picks for 2025
- Blue-Chip Stocks: Companies like AT&T, Verizon, or major energy firms often offer dividend yields in the 4% to 7% range. These are stable, established companies with a history of weathering economic storms.
- Dividend Aristocrats: These are S&P 500 companies that have increased dividends for at least 25 consecutive years. Think Coca-Cola or Procter & Gamble. Their stability makes them a safer bet for consistent returns.
- REITs (Real Estate Investment Trusts): REITs like Realty Income or Simon Property Group often pay dividends above 5%. Since they’re required by law to distribute at least 90% of their taxable income to shareholders, they’re a go-to for income-focused investors.
Risks and Considerations
Dividend stocks aren’t risk-free. Companies can cut dividends during tough economic times, and stock prices can fluctuate. To mitigate this, diversify your portfolio across multiple sectors—energy, healthcare, and consumer goods, for example—and avoid chasing the highest yields without researching the company’s financial health. Check metrics like the payout ratio (dividends divided by earnings) to ensure the dividend is sustainable.
Pro Tip
Use a dividend reinvestment plan (DRIP) to compound your returns. By reinvesting dividends to buy more shares, you can accelerate your path to 10% annual returns over time.
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2. Real Estate for High Returns
Real estate has long been a favorite for investors seeking high returns, and it’s a strong contender for hitting that 10% target. Whether through direct property ownership, real estate crowdfunding, or REITs (mentioned above), real estate offers multiple avenues for generating income and appreciation.
Direct Property Investment
Buying rental properties can yield returns through rental income and property value appreciation. For example, a rental property generating $2,000 monthly on a $200,000 investment provides a 12% annual return from rent alone, not counting potential price increases. In 2025, markets like Austin, Phoenix, or Raleigh remain attractive due to population growth and demand for housing.
Real Estate Crowdfunding
If you don’t have the capital or time to manage properties, crowdfunding platforms like Fundrise or RealtyMogul allow you to invest in real estate with as little as $500. These platforms pool investor money to fund commercial or residential projects, often targeting returns of 8% to 12%. In 2024, Fundrise reported average annual returns of around 9% for some portfolios, making it a viable option for hitting 10% with the right projects.
Risks and Considerations
Real estate isn’t liquid—you can’t sell a property as quickly as a stock. Plus, property management comes with costs (maintenance, taxes, insurance) that can eat into returns. Crowdfunding platforms may charge fees, and returns aren’t guaranteed. Research the platform’s track record and focus on projects in stable or growing markets.
Pro Tip
Look for properties or crowdfunding deals in areas with strong economic fundamentals, like job growth or infrastructure development. This increases the likelihood of both rental income and appreciation.
3. Peer-to-Peer Lending for High Yields
Peer-to-peer (P2P) lending platforms like LendingClub or Prosper connect investors with borrowers, offering a chance to earn high interest rates. By acting as the “bank,” you can lend money to individuals or small businesses and earn returns often exceeding 10%.
How It Works
You invest in loans, typically in small increments ($25 or more per loan), and borrowers repay with interest. Average returns on platforms like LendingClub range from 5% to 10%, but by focusing on higher-risk loans (with higher interest rates), you can push returns closer to or above 10%.
Risks and Considerations
The biggest risk is borrower default. If a borrower doesn’t repay, you could lose your investment. To minimize this, diversify across many loans and stick to borrowers with strong credit profiles. Also, P2P lending isn’t as liquid as stocks—you may need to wait for loans to mature to access your money.
Pro Tip
Use automated investing tools on P2P platforms to spread your money across multiple loans, reducing risk while maintaining high yields.
Read more: The Best Way to Earn Interest on Money: A Personal Journey to Financial Growth
4. Stock Market Investing for Growth
If dividends or real estate don’t appeal to you, the stock market offers another path to 10% returns through capital appreciation. Historically, the S&P 500 has delivered an average annual return of about 10% before inflation, making it a benchmark for investors.
Strategies for Success
- Index Funds and ETFs: Low-cost index funds like the Vanguard S&P 500 ETF (VOO) or total market funds provide broad exposure to the market. They’re ideal for beginners and offer consistent, long-term growth.
- Growth Stocks: Companies like Nvidia, Tesla, or emerging tech firms can deliver outsized returns, though they’re volatile. A diversified portfolio with a mix of growth and value stocks can balance risk and reward.
- Sector Bets: In 2025, sectors like artificial intelligence, renewable energy, and healthcare are poised for growth. Investing in sector-specific ETFs, like the ARK Innovation ETF (ARKK), can target high-growth areas.
Risks and Considerations
The stock market can be a rollercoaster. Economic downturns, geopolitical events, or sector-specific challenges can lead to losses. To hit 10%, you’ll need a long-term horizon (5+ years) and the discipline to avoid panic-selling during market dips.
Pro Tip
Use dollar-cost averaging—investing a fixed amount regularly—to reduce the impact of market volatility and build wealth steadily.
5. Alternative Investments for Diversification
For those willing to explore less traditional options, alternative investments like private equity, venture capital, or even cryptocurrency can offer 10%+ returns, though they come with higher risks.
Private Equity and Venture Capital
Platforms like EquityZen or AngelList allow accredited investors to buy into private companies before they go public. These investments can yield massive returns—sometimes 20% or more—but they’re illiquid and risky. In 2025, tech startups in AI, biotech, and clean energy are hot sectors to watch.
Cryptocurrency
Crypto markets are volatile, but strategic investments in established coins like Bitcoin or Ethereum, or in staking (earning rewards for holding certain cryptocurrencies), can deliver high returns. For example, staking Ethereum on platforms like Coinbase can yield 4% to 8%, and price appreciation can push total returns higher.
Risks and Considerations
Alternative investments are speculative and often require significant capital or accreditation. Crypto, in particular, is prone to wild price swings. Only allocate a small portion of your portfolio (5-10%) to these assets to manage risk.
Pro Tip
Stay informed about market trends through reputable sources like Bloomberg or industry-specific newsletters to spot opportunities early.
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6. High-Yield Savings and CDs (But Don’t Expect 10%)
While high-yield savings accounts and certificates of deposit (CDs) are safe, they rarely hit 10% returns. In 2025, top high-yield savings accounts offer around 4% to 5%, and 5-year CDs might reach 4.5%. These are great for preserving capital but won’t get you to 10% without combining with riskier investments.
When to Use Them
Use high-yield savings or CDs for your emergency fund or short-term goals. They’re FDIC-insured up to $250,000, making them a safe place to park money while earning modest returns.
Building a Balanced Strategy
Achieving a 10% return often requires a diversified approach. For example, you might allocate:
- 40% to dividend stocks or ETFs for steady income and growth.
- 30% to real estate (direct or crowdfunding) for income and appreciation.
- 20% to P2P lending or growth stocks for higher yields.
- 10% to alternatives like crypto for speculative gains.
This mix balances risk and reward while targeting your 10% goal. Adjust based on your age, income, and risk tolerance. Younger investors can lean toward growth-oriented assets, while those nearing retirement might prioritize income and stability.
Common Pitfalls to Avoid
- Chasing High Returns Blindly: If it sounds too good to be true, it probably is. Avoid scams promising guaranteed 10% returns with no risk.
- Ignoring Fees: High fees on mutual funds, platforms, or real estate deals can erode returns. Look for low-cost options, like index funds with expense ratios below 0.2%.
- Lack of Diversification: Don’t put all your money in one stock, property, or crypto coin. Spread your investments to reduce risk.
- Short-Term Thinking: A 10% return is more achievable over 5-10 years than in a single year. Patience is key.
Tax Considerations
High returns often come with tax implications. For example:
- Dividends and interest are taxed as ordinary income unless held in a tax-advantaged account like an IRA.
- Capital gains from stocks or real estate may qualify for lower long-term rates if held over a year.
- Consult a tax professional to optimize your strategy and minimize your tax bill.
Final Thoughts
So, where can you get 10% interest on your money in 2025? The answer lies in a mix of dividend stocks, real estate, P2P lending, stock market investments, and carefully chosen alternative assets. Each option has its own risks and rewards, but by diversifying and staying disciplined, you can build a portfolio that hits or exceeds that 10% target. Start by assessing your risk tolerance, researching your options, and committing to a long-term plan. With the right strategy, your money can work harder for you than ever before.
If you’re ready to take the next step, consider opening a brokerage account, exploring crowdfunding platforms, or consulting a financial advisor to tailor a plan to your needs. The path to 10% returns is within reach—it just takes knowledge, patience, and a willingness to act.
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