Discover the Top 10 Engaging Alternatives to Your Typical Savings Account

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Title: ‘Top Ten Handy Options Instead of Your Regular Savings Account’

If you’ve got some extra money tucked away for any reason, you might want to know it can do more for you than just sit in a normal savings account. These days, regular ‘brick and mortar’ banks probably won’t give you a lot in return. So let’s look at the ten best alternative ways to grow your savings.

1. Robinhood Gold: This is a membership you can purchase if you’re a Robinhood user. Perks include earning interest on the money you haven’t invested yet, and faster access to your deposits. For $5 a month, you can also get professional market research and favorable interest rates.

2. Betterment Cash Reserve: This offers an interest rate higher than the nation’s savings average. You won’t need a minimum balance, and there are no monthly fees. You can set up savings goals and also auto-deposit rules.

3. Wealthfront Cash: This is a good mix of a checking and savings account. It offers a higher interest rate, with no withdrawal or monthly fees. You can get your paycheck early, make purchases with a debit card and pay bills online.

4. U.S. Treasury Securities: This ultra-safe option allows you to invest in the U.S. government as they’re guaranteed to pay back its lenders. However, these are long-term investments, and might not be the best option if you’re worried about inflation.

5. Tellus: It started as a real estate and property management app, but now offers loans and accounts too. The Tellus Boost account offers daily interest, and you can earn ‘boosts’ to your rate.

6. Titan Cash: Offered by the Titan investment platform, this account earns more than the average national savings rate. You can easily invest in your excess funds and access them whenever you want.

7. M1 Finance: This trading platform offers M1 Spend, a checking account where you can transfer money, set up direct deposits and use a debit card. Plus, as an M1 Plus member, you earn an attractive interest rate and cash back when using your debit card.

8. Acorns: This is great for beginners, offering simple investment and saving products. Acorns Invest, Acorns Later and Acorns Early are their main products, and Acorns Spend is a checking account with minimal fees.

9. Short-Term Notes from EquityMultiple: If you’re an accredited investor, you might find these appealing. They offer attractive rates of return and are designed to exceed normal saving expectations.

10. High-Dividend Stocks: Companies often share their earning with shareholders in the form of dividends. You could consider investing in high-dividend stocks, bearing in mind that there’s no guarantee in investing.

So, there you have it – ten alternatives to a regular savings account. Just keep in mind that with any financial product, you have to weigh the potential risks and gains before deciding where to put your money.