With the aftermath of the Covid-19 pandemic still affecting us, and the disease itself still gripping some countries, money can become an issue for those unprepared. Even if you have enough to by, it’s situations like these that make investment opportunities like these become valid options. People should spend their money wisely and keep it safe in case a major financial struggle come knocking at your door. Examples of how to switch your spending can be like cutting off luxuries or switching to free slot machine games without downloading or registration for the gamblers. Here are the best ways to invest your money and help you earn in 2021:

High-Yield Savings Account
This is a technique that is very similar to the savings account you would open in a regular bank. It allows one to store money in a more flexible account. The account allows you to use much higher interest rates with fewer overhead costs as well. By quickly transferring the money to your main bank, you access this money much faster too. If you ever need cash fast in the near future in case of an emergency, there is no quicker method. There is a risk of inflation affecting the costs when investing, so keep that in mind.

Certificates of Deposit
More commonly known as CD, these can be offered to you by most forms of banking and have a much higher interest than with a regular savings account. What they do is they import specific maturity dates on where the investment can lead up to. This gives you a definitive date on which you can retrieve your money with an increased allowance. This also means that you cannot withdraw the money before this set date either. Once the CD is issued, it is set in stone. This can also keep the money in a much safer and protected account.

Government Bond Funds
Government Bond Funds are part of a mutual partnership between the U.S government and the agency investing. The funds will be invested in tools known as T-bills or T-notes, which are mortgage-backed securities deployed by the enterprises that are sponsored by the government. These funds mean that you can place your investment in the protection of the government to keep the finances of your brand or enterprise safe and sound. It can be perfect for beginner investors who wish to look for more secure cash flow when starting their new enterprise.

Short-Term Corporate Bond Funds
This method is similar to the government bond funds, except this time, it’s with corporations. Entrusting your investment with a corporation can allow this brand to raise money for you. Short-term bonds can have a maturity age around one to five years, which means that the interest rate can remain unaffected by inflation. Or, at the very least, it is less likely to with the time frame. Potentially hundreds of corporations can be part of a Corporate Bond. It can be a great choice for those that want a quick return for their business with minimal risk.

S&P 500 Index Funds
A less-traditional method of banking fund that can have higher returns than normal but come with much higher volatility as well. The type of fund is made up of hundreds of well-known companies, like Amazon or Berkshire Hathaway being the most prominent members. The index is calculated to return 10% of the annual percentage that these companies make up. It is considered a less-risky method of investing in stocks.

Dividend Stock Funds
Stock market investment can become a fine choice for investors, thanks to dividends. Dividends are known as a portion of the company's profit paid out as shareholders. A dividend allows you to gain investment in the long-term market and earn cash in the short-term as well. This is due to the calculations happening on a quarterly basis of the fiscal year. Buying individual stock is for more experienced investors due to the larger risks involved. However, purchasing as a group or buying them in bulk can help reduce these risks.

Nasdaq-100 Index Funds
Similar to the S&P 500 Index Funds, only this time made up of some of the biggest technology companies around. It is essentially betting on who the winners and the losers will be in companies that will come out on top with more profitable ideas—analysing which company will have the most success in their chosen field. Companies like Apple, Facebook and Microsoft are all part of this index, meaning you have stocks in some profitable places. This means that it can be even more secure and stable enough to invest in compared to bonds made from more volatile companies.