Looking for the best place to invest money right now? With savings accounts capped at 1.70%, learn about euro funds, bond funds, money market options, and other secure ways to make your money work harder.
Best Place to Invest Money Right Now: Beyond Savings Accounts
Tired of seeing your savings languish at a meager 1.70%? You’re not alone. In 2025, many savers are realizing that traditional savings accounts just aren’t enough to fight inflation and grow their hard-earned money. The good news? You don’t have to choose between low returns and high risk. There are smart, accessible alternatives for investing your money—without locking it away for a decade or wagering it on rollercoaster stock markets.
Here’s where smart investors are putting their money right now:
1. Euro Funds: The Secure, Higher-Yielding Savings Alternative
If you’ve only ever used bank savings accounts, consider a fresh look at euro funds within life insurance contracts. Euro funds remain a favorite among cautious French savers for a reason:
- Yields Well Above Savings Accounts: In 2025, many euro fund contracts deliver net returns of 4–5%, far outpacing standard passbook rates.
- Capital Guarantee: Like a savings account, your capital is protected. That means you’ll never lose your initial investment, unlike with stocks or more exotic products.
- Solid Liquidity: While not instant like an ATM withdrawal, you can usually access your funds in just a few days—fast enough for most needs.
- Bonus Reserves: Many issuers have built up “yield reserves” they can distribute over time, helping to keep rates attractive even when markets shift.
Euro funds strike a rare balance: the steady safety you want, and the improved performance you deserve. For prudent investors hoping to beat 1.70% without sleepless nights, this is a go-to solution.
2. Bonds Are Back in Fashion—Higher Rates, More Choices
For years, low rates kept bonds in the shadows. Now, with interest rates rising, bonds are enjoying a comeback. Whether you’re a newbie or a seasoned investor, bond funds offer a potential sweet spot between yield and risk.
Two Types Worth Considering:
- Evergreen Bond Funds:
No fixed maturity date. These funds keep refreshing their holdings, letting you invest or withdraw when you like. They do fluctuate with interest rates, but offer flexibility. - Dated Bond Funds:
These target a set maturity—often 3 to 5 years. You’ll know the expected yield upfront (sometimes 3–6%), as long as you stick with it until maturity. That gives you visibility and protection against interim ups and downs.
Bond funds are much more competitive now, delivering the returns that savers have been missing for years.
3. Money Market Funds: Safe, Flexible, and Around 3–4% Returns
Money market funds are another attractive alternative for those wanting to keep things simple and liquid. These funds are directly tied to current interbank rates (like the Euribor) and currently offer 3–4% returns with almost immediate accessibility of your money. They’re especially handy if you need short-term parking for your savings or are managing business cash reserves.
4. For the Adventurous: Equities, Diversified, and Structured Products
If you’re ready to take on a little more risk for higher potential rewards, you might consider equities, diversified mutual funds, or structured products. Remember, these options can give much higher returns—but they sacrifice liquidity (the ability to get your money back quickly) and carry the risk of irrecoverable losses during downturns. These are better suited for long-term goals and wealth-building, rather than as simple savings account replacements.
The Bottom Line: Pick What Works for You
With savings accounts stuck at 1.70%, you have more options than ever to make your money work harder for you—without giving up on safety or flexibility.
Euro funds in life insurance for security and solid yields,
Bond funds if you want higher returns with manageable risk,
Money market funds for quick access and respectable returns,
Equities and diversified funds for long-term growth if you can tolerate some volatility.
It all comes down to your goals, time horizon, and risk comfort. Don’t let your money slumber in a low-interest passbook—wake it up, diversify, and choose the blend that lets you sleep well and invest smart.
