How to Invest $100,000 Read Transcript Open new window Transcript of the video: Having $100,000 to invest can be exciting—and a bit overwhelming. Especially if the money is a surprise windfall, $100,000 can be a real life-changer. The good news is that this should be enough to get you past most of the minimums you might face in the investing world and give you a lot of options. In very broad terms, you could divide your options in two: Either you go it alone, or you work with a financial advisor. Going it alone could take more effort, but if you have the time and motivation to learn, just follow these steps: First, start by setting some goals for your investments. Are you investing to buy a house? Retire? Setting goals will help you pick your strategy. Next, identify your investments. Are you willing to take risks? Or are you more cautious? Riskier investments can deliver higher returns but can also mean more significant losses, so pick investments that match your goals. And finally, build a diversified portfolio. This means spreading your money across a variety of stocks, bonds, cash, and other assets in order to manage your risk. That way your portfolio won’t depend on just one asset. Now if that sounds too time-consuming, then definitely consider working with a financial advisor. An advisor can look at how that $100,000 fits with your overall financial situation and help you develop an investment plan based on your goals.