6 Investments To Make Before 2026 Ends (That Could Pay Off Big in 2027)
Many people wait until January to start updating their finances. However, now is actually the best time to make changes for the biggest impact.
Some investments have annual contribution limits or deadlines, and now is when you can take advantage. Others require time, and there is no better time than today to get started.
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Keep reading as we explore six investments to make before 2026 ends that will pay off big in 2027.
1. Increase Your 401(k) Contributions
While increasing your 401(k) contributions might seem like a no-brainer, many people skip it altogether. Every year goes by, and with each raise, they continue to contribute the same amount to their retirement.
If you’re not coming close to the 2026 annual 401(k) contribution maximum of $24,500 ($32,500 if you’re 50 or older), consider increasing your contributions in the final few paychecks of 2026. Even an extra $500 today could have a huge impact on your retirement.
2. Invest More Through an HSA
A health savings account (HSA) is a largely underutilized investment vehicle. If you’re eligible, it offers several tax advantages.
Contributions can be made pretax or are tax-deductible.
Money is invested and can grow tax-deferred.
Withdrawals for qualified medical expenses are tax-free.
In 2026, the contribution limit is $4,400 if coverage is just for yourself or $8,750 for a family. By investing in an HSA, you’ll reduce your 2026 tax bill while building a fund to cover future medical expenses.
3. Broad-Market Index Funds or ETFs
For many people, picking individual stocks is a tough task. Instead, consider investing in diversified mutual funds or ETFs that track a major index like the S&P 500. These funds typically have low fees and broad diversification across many sectors.
One example is Vanguard’s S&P 500 ETF (VOO). This fund invests in the 500 largest U.S. companies, providing optimal diversification. Its expense ratio is just 0.03%, and over the past 10 years, its average return has been over 15%.
While fund prices aren’t guaranteed to surge in 2027, this is a great way to start investing in the market and to take advantage of potential returns.
4. Short-Term Treasuries or Certificate of Deposits
If you’re looking to be a little more conservative with your investments, consider adding short-term treasuries or certificates of deposit (CDs). These are ideal if you’re planning a large purchase soon and don’t want to lock your funds up for a long period. They can also help reduce your exposure to potential declines in the stock market.
Plus, since the Fed Funds rate was recently increased, you can now lock in higher rates.
5. Series I Savings Bonds
Another conservative option to consider is Series I Savings Bonds. Through Oct. 31, 2026, newly issued bonds will earn 4.26% for the first six months, which includes a 0.90% fixed rate, according to the U.S. Treasury. Just keep in mind that these bonds must be held for at least 12 months, so they won’t be ideal for anyone who may need the cash in the first part of 2027.
6. Bitcoin or a Spot Bitcoin ETF
Bitcoin or Bitcoin ETFs offer investors a true high-risk, high-reward opportunity heading into 2027. More institutional adoption of Bitcoin is a positive sign of upward momentum in 2027. On Oct. 1, Citi raised its price target for Bitcoin to $113,000, which would represent a 37% increase from current levels.
An important point about Bitcoin is that it can experience drastic price fluctuations, so you should be comfortable with this and only invest what you can afford to lose.
Editor’s note: Investing involves risk, including the possible loss of principal. Always consider your individual circumstances and consult with a qualified financial advisor before making investment decisions.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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