Where and how to best grow your money in 2025? A practical guide for your savings

Inflation eats into your savings more than you may think, and a savings account has long ceased to be enough. Fortunately, there are effective ways to grow your money. Let's show you what really works today – and how you too can get started with it, even with just a few thousand crowns.

What does growing your money actually mean?

Growing your money means that your savings increase over time. Not only in nominal terms, but above all in real terms – that is, even after deducting inflation.

In other words, it is not just about having more zeros in your account, but also about still being able to buy at least the same amount of goods and services for that money, ideally more. Because if you just let money sit "in an account", its purchasing power gradually falls – and you lose out.

Example: Imagine that you have CZK 100,000 in your account today. If inflation is 10%*, in a year this money will have a real value of only CZK 90,000 – and that is even without spending a single crown. That is why growing your finances is an important tool for protecting and at the same time increasing the value of your assets.

*In 2024, inflation averaged 2.4% (CNB, n.d.); the ten percent mentioned is only for illustration.

How to grow your money safely and effectively?

Basic concepts you must know

Before we look at how to achieve the best growth of your money, let's recall these three key factors:

• Return determines how much you actually earn on an investment.
• Risk means the probability that the investment will not turn out as expected or that you will lose part of your money.
• Liquidity indicates how quickly and easily you can turn an investment back into cash.

These three components (the so-called investment triangle) influence one another: the higher the return, the higher the risk usually is. And conversely, very safe investments (e.g. a savings account) often have a return lower than inflation. The goal of a smart investor is therefore to find a balance among these three factors according to their situation, financial goals and relationship to risk.

So how do you grow your money?

Growing your savings usually happens through investing – in various forms and degrees of risk. It can be investments in stocks, bonds, real estate, funds, cryptocurrencies or even crowdowning – that is, co-ownership of real estate.

The goal is always one and the same: for your money to generate more money.

Where to invest money to grow it?

There is a whole range of options – from the conservative to the dynamic. Before you choose, let's take a look at an overview of the basic investment instruments that make sense not only for the experienced, but also for those who are only just starting out with investing.

• Stocks: One of the best-known ways to grow your finances. They offer potentially high returns, but are very volatile – their value can rise quickly, but also fall. They are suitable for those who want long-term growth of their money and can handle a bit of risk.
  
• Bonds: A more conservative option with lower risk. They typically offer a fixed return, which tends, however, to be lower than with stocks. Government bonds are considered safe; corporate ones have a higher return, but also higher risk. Suitable for short-term growth of money or as a stabilising element of a portfolio.
  
• Mutual funds: Ideal for investors who do not want to actively take care of selecting individual stocks or bonds themselves. A fund is managed by an expert and the investment is spread across multiple assets. Returns and risks differ according to the type of fund (equity, mixed, conservative…).
  
• ETFs (Exchange-Traded Funds): Similarly to mutual funds, they spread risk, but they are traded on the stock exchange. They usually have lower fees and better liquidity. Suitable for those who want to invest regularly and have an overview of their money.
  
• Real estate: Traditionally considered a safe haven. Long-term stable returns, regular rental income and protection against inflation. The disadvantage is the higher entry capital – or not, if you invest with the help of crowdowning.

The difference between saving and investing

Although both approaches have a common goal – to preserve or increase the value of financial means – they work on different principles and have different impacts on your finances.

Saving: Certainty, but with a limited return

Saving means that you set money aside – most often into a savings account, a term deposit or a building savings scheme. The main advantage of saving is safety and predictability. The money is mostly insured (e.g. in banks up to EUR 100,000) and you have relatively quick access to it.

The disadvantage, however, is the low return. The interest on savings products often does not even cover inflation, so your money loses value in real terms. Saving is therefore suitable mainly for creating a short-term reserve or if you know that you will need the money soon – for example, for a holiday, a new washing machine or a car.

Investing: Higher returns, higher risk

Investments are then a tool for the long-term growth of money. You turn money into assets that should bring you a profit – whether stocks, real estate, funds, ETFs or, say, crowdowning. Unlike saving, investing is associated with risk – the value of an investment can fluctuate, the return is not guaranteed.

On the other hand, if you invest thoughtfully and over the long term, you have a chance to beat inflation and significantly increase your assets. Investments are suited to goals that are not just around the corner – such as providing for retirement, financing housing, or building an inheritance for your children.

Summary: Save, or invest?

• Saving is suitable for short-term goals and a financial reserve. It is safe, but the returns are low.
• Investing is suitable for long-term plans and growing your assets. It offers a higher return, but also risk.

The ideal financial strategy combines both: you save short-term money and invest long-term money. And this is precisely where InvestBay comes into play – a place where you can invest simply, clearly and from as little as CZK 2,500.

Short-term vs. long-term growth of money

When considering how to best grow your money, it is key to get clear on the time horizon.

Short-term growth of money

Short-term strategies (e.g. savings accounts, short-term bonds or term deposits) are suitable if you know that you will need the money soon – for example, for a renovation, a wedding or starting a business. They have the advantage of low risk and quick availability of funds, but at the same time a limited return.

Beware of quick growth of money – that is, short-term, high-risk speculation. For instance, trading in cryptocurrencies, forex or investments in dubious platforms. Yes, the return can be high, but so can the probability of loss. After all, there is often a lack of regulation, transparency and real underlying assets on which the return would be based.

Long-term growth of savings

By contrast, long-term investments (e.g. real estate, stocks, crowdowning) give you the possibility to beat inflation and gain more substantial returns. The longer the investment period, the more compound interest shows itself – and the more your money grows. The disadvantage can be lower liquidity and temporary fluctuation in value, but with the right spread of risk and patience, long-term investments generally pay off.

The ideal financial strategy is therefore not "either, or". Divide up your finances according to when you will need them. Keep a reserve for unexpected expenses available in your account. But let the rest of your money grow – over the long term, smartly and sensibly. For example, with InvestBay.

When does short-term growth make sense?

Short-term growth of money makes sense if you know that you will need the money soon – for example, for a renovation, a wedding, or starting a business. In that case, products with higher liquidity and lower risk are suitable, even if the return will not be dizzying. Everything that is to be effective over the long term (e.g. the best growth of savings) needs time.

When something looks too good, it probably is

Have you come across a platform that promises 15% a year "completely without risk"? Beware. The investment market has its rules – and one of them says that a higher return tends to be paid for with higher risk. If someone tells you the opposite, it is good to pay attention. It may be a non-transparent model, an unregulated project or outright investment fraud.

We at InvestBay also encounter similar stories – people come to us after someone promised them a fairytale growth of their money without a single guarantee. And they lost their savings.

How to think about an investment strategy?

A smart investment strategy is not about speed, but about balance. Consider:

• How much money do you want to invest and how much can you afford to "let work"?
• What time horizon suits you – months, years, decades?
• How much risk are you willing to take on?

And then decide. You may find that a combination of both suits you – part of your finances in liquid, safe products for short-term goals, the rest in long-term projects with the potential for a higher return. It is precisely such a balanced strategy that will, over time, bring you the best growth of your money – without nightmares and unnecessary losses.

Real estate as a safe haven for growing your finances

When you say growing your finances, real estate is the first choice for many people. And it is no wonder. It is an investment that is understandable, tangible and historically stable. Regardless of market fluctuations or inflation, real estate usually holds – and often even increases – its value.

What is more, it can generate a double return: regular rental income and a profit from a future sale. That is precisely why it tends to be described as the best growth of money over the long term.

Why do people invest in real estate?

• Protection against inflation – The value of real estate tends to grow along with inflation.
• Stability – Property prices do not fluctuate as dramatically as, say, stocks.
• Long-term growth of money – Whether it is your own housing or an investment apartment, real estate usually brings a return in the order of percent per year.
• Regular rental income – While money in an account stagnates, a property earns for you.

Direct purchase vs. crowdowning

The classic route is to buy an investment apartment – and then take care of it. But that brings with it the worries of a mortgage, paperwork, finding tenants, maintenance and taxes. You need hundreds of thousands or millions for the entry, time and steady nerves. For some it is a challenge, for others a nightmare.

And this is precisely where crowdowning comes onto the scene. It is a modern way to best grow your money in real estate without having to deal with anything. It works simply: you choose a project, invest from CZK 2,500 and become a co-owner of a property.

Everything else – from the legal agenda through management to the selection of tenants – is arranged by the InvestBay team.

The advantages of InvestBay? Growth without worries

• Low entry capital – You start with just a few thousand crowns, if you like.
• No operational hassle – You do not take care of tenants, repairs or paperwork.
• Professional management – The properties are taken care of by a team of experts that seeks out advantageous locations and oversees their management.
• Regular income as well as a share of the profit – From rents and also from the sale of the property after several years.
• Transparency – You follow everything in an online interface, and the returns come directly to your account.

Thanks to InvestBay, everyone can take advantage of the real estate market. Without a mortgage, without stress and with complete control. So if you are looking for where to grow your money safely and effectively, crowd-owning is a route worth considering.

Register for free at InvestBay and choose from our offer of properties the one you like the most.

Money growth calculator: Calculate what you can earn

Are you wondering how to best grow your money, but you are not sure how much such an investment could bring you? We have a solution for you – an investment growth calculator that, in a few seconds, will show you what you can expect from investing. No complicated tables, no calculations in your head. A few clicks are enough and you immediately know whether the investment makes sense for you.

Our investment calculator is designed so that everyone can understand it – even someone who is only just starting out with investing. Enter the basic data: how much you want to invest, how long you plan to let the money work and what average annual return you are counting on. The result? A clear figure that will hint to you how to grow your savings more effectively.

InvestBay: A simple route to the best growth of your savings

Growing your savings does not have to be complicated. You do not have to follow the stock exchanges, study hundreds of charts or deal with tax tables. InvestBay is here precisely so that investing in real estate is accessible, understandable and, above all, profitable – even for ordinary people without million-crown capital.

Start today – with InvestBay you do not need any previous experience or a huge budget. You can invest from as little as CZK 2,500. All you have to do is choose a real estate project that catches your interest, and within a few minutes you are done. You can handle the whole process online – including clear tracking of returns in your profile.

Register for free at InvestBay.com, choose your first property and start growing your money smartly. Just a little is enough – and your savings will finally start working for you.

You often ask

Where to put money so that it earns?

If you want your money to really earn, it is not enough to "put it away". It needs to be invested – ideally in instruments that bring a regular return and at the same time grow in value over the long term. A great choice is, for example, real estate – through the InvestBay platform you can invest from as little as CZK 2,500 and look forward to returns from rent as well as sale. And without worries.

Where to best grow your money?

It depends on what you expect from the investment. For long-term growth of money, we recommend stable assets with real value – such as real estate. InvestBay offers precisely this type of investment: transparent, real assets, no speculation. Plus with access to professional management and a clear interface.

Where to put 1 million?

With a million you have a great opportunity to invest smartly – and above all in a diversified way. You can leave part of it as a reserve (e.g. a savings account), invest part in real estate via InvestBay and part perhaps in ETFs or funds. The key is a balanced strategy that combines safety and growth.

What is appreciation?

Growing your money means that the value of your investment grows – whether thanks to interest, rental income, a profit from a sale or the rise in the price of the given asset. The goal is for your money not to lose value over time (because of inflation), but on the contrary to bring a profit. We at InvestBay make growth simple, understandable and accessible.

How to grow your money with little risk?

Choose conservative strategies and diversify. Investing in real estate through a verified platform (e.g. InvestBay) offers stable returns with low risk. You choose a project, invest and we take care of everything else. You just watch how your money grows.

What is the best growth of money in 2025?

To be straight – no universal "best" exists. But if you are looking for a combination of return, safety and accessibility, crowd-owning of real estate has a very strong position this year. It offers real assets, a reasonable return and an investment from a few thousand crowns. And that is exactly what InvestBay enables you to do.

How does the investment growth calculator work?

Simply. You enter the amount of the investment, the expected return and the duration – and the growth calculator shows you how much you can earn. At InvestBay we have our own investment calculator that will make the calculation easy for you in a few seconds. A great tool if you want to get clear on how much and for how long to invest.

Where to grow your money if I don't want to invest in stocks?

You do not have to bet on the stock exchange. A great alternative is real estate – specifically the form of crowd-owning. At InvestBay you choose a project, invest and gain returns from rents as well as sale. And at the same time you do not take care of tenants, repairs or paperwork. Investing without worries, accessible to everyone.