you put your money into a low risk mutual fund. You get
diversification and professional management at a low cost.
Try this fund from Vanguard as a start. Wellington Fund
VWELX) Call Vanguard at 800 6627447
Investment is always a tricky market, you could try setting up a small sideline company to get a monthly return. Either that or what seems to be very popular and something that I use to get profit is www.zopa.com
You lend money to credible people for business ventures ect and get interest from that as if you was a bank.
Very simple and easy to use with a good return, split your 10k into two separate loans of 5k each
Pay off and debts you have.
Preventing a debt from growing counts the same as getting a return on your investment.
It's too little/not worth to open a time deposit , plus prefer not to go into currency/stock exchange. What are my other options to make this money grow other than the very little interest it's collecting in my current banking scheme