How to invest $3000 per month (Best ways to invest $3k)

How can you invest $3,000 per month and what is the best way to invest in?

You can invest $3,000 per month in stocks, real estate, exchange traded funds, and business ventures. In order to invest your $3,000, speak to a Financial Advisor or open a brokerage account. Research the assets prior to investing and make sure your portfolio has adequate diversification.

Imagine, being able to invest $3,000 per month. Your $3,000 per month will provide massive amounts of leverage and help you build wealth quickly.

You just need to know how to get started investing.

Luckily for you, I’m going to show you where to invest $3,000 per month. I’ll even show you how to invest that money and how long it will take you to become a millionaire. With enough investing, you’ll be able to quit your job in no time.

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Where can I invest $3,000 per month?

The best places to invest $3,000 per month are stocks, real estate, exchange traded funds, and business ventures. It is important to diversify your investment strategy to limit exposure to one type of asset class.


Stocks are one of the most popular options for investors. Not to mention, you can make some serious money if you choose the right stocks.

For example, Shopify stock is up 174% from 1 year ago as of writing this article. You would have $8,200 today if you would have invested $3,000 in Shopify one year ago!

However, choosing individual stocks is often a risky decision. It may be best to leave investing in the stock market to a professional if you don’t know what you are doing.

Real estate

There are three different ways you can invest in real estate. You can buy physical real estate, buy Real Estate Investment Trust, or participate in real estate crowdfunding.

A lot of individual investors choose buying physical real estate. You can buy a property and rent it out to a tenant. In addition to rent, you can earn money through appreciation or the value at which the house increases.

Purchasing physical real estate has a lot of benefits. You can get a mortgage at a bank, but your tenant is the one that is paying it down. You’re basically getting free money and receiving tax breaks in the process.

The main problem with buying physical real estate is the upkeep and having to deal with tenants. Physical real estate can be passive income, but it can also be as far away from passive income as it gets. You may want to budget for a property manager.

Real Estate Investment Trust (REIT) is a good option if you want to invest in real estate without actually owning the property. REITs trade like individual stocks, but you are investing in the companies that own real estate. As an owner, you’ll receive cash payments for your investments.

Real estate crowdfunding is the third option for investing in real estate. Unlike REITs, you are not purchasing ownership of the company. Instead, you are lending your money to companies who buy real estate.


Exchange traded funds make investing simple. You can buy a collection of stocks or REITs all bundled up into one exchange traded fund. ETFs trade like individual stocks, so you can easily buy and sell. 

Business ventures

As you become more familiar with investing, you may want to venture out and start your own business venture. Businesses are by far one of the best ways to continue to build wealth. Instead of buying individual securities, you’re buying actual businesses that can provide you with income.

For example, you might want to buy an income-producing website. You can purchase already built websites on

As I am browsing Flippa, I see that I can buy a website for $20,000 but it’s currently producing $1,200 in monthly income. After 7 months of saving $3k, you could buy this website and generate $1,200 in monthly income.

Buying websites is only one example of different business ventures you can invest in with $3,000 per month. Look for business ventures that are within your wheelhouse. Stay away from websites if you don’t know the first thing about them. 

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How to invest $3,000 per month?

In order to invest $3,000 per month, speak to a financial advisor. A financial advisor can give you guidance on how to best invest your money. Additionally, you should open up a brokerage account and research your investments and diversify.

Most financial advisors are willing to meet you for free. A financial adviser will provide you with some guidance on how to make the most of your finances. You should expect that a financial advisor will try and sell you their services as they can manage your money for you.

Most individual investors would be okay by opening up a Vanguard Brokerage account. There are plenty of low-cost exchange-traded funds offered by Vanguard that perform well.

Before you make any investment, make sure you do your due diligence and perform research. You should never invest in anything that you don’t fully understand. 

Personally, I am a fan of exchange-traded funds because they make investing very simple. You need to do your initial research upfront to determine which ETFs you want to purchase. Afterwards, all you need to do is keep on purchasing the same ETFs.

As you start to invest, you want to start to branch out and diversify your assets even more. Never keep the majority of your assets in one particular security. Diversification can help protect your investments if one security doesn’t perform well.

Time to become a millionaire investing $3k per month 

Starting from nothing, it will take you 15 years to reach 1 million dollars investing $3,000 per month at 8% ROI. To make $1,000,000 faster, you will need to increase the amount you are investing or find a better return on investment. An 8% return on investment is a good assumption when investing in the stock market.

Remember, there are plenty of investments that make more than 8% return on investment. As I previously mentioned, Shopify returned 174% in only one year. The only problem is trying to find those Investments.

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Summary: How to invest $3,000 per month

As you can see, you can invest $3,000 per month in the stock market, real estate, exchange traded funds, and business ventures. Consider talking to a financial advisor if you don’t know where to start.

Most investment beginners should open up a brokerage account. You can either open a brokerage account through a company like Vanguard or through a financial advisor. A financial advisor may take a larger fee in order to manage your investments.

John is the founder of TightFist Finance and an expert in the field of personal finance. John has studied personal finance for over 10 years and has used his knowledge to pay down debt, grow his investment portfolio, and launch a financial based business. He is committed to sharing content related to personal finance based on his experience in his career, investing, and path towards reaching financial independence.