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How To Make Your Money Work For You

Making your money work for you gets simpler when you cut through the noise. Read this blog to get factual information about how to make your money work for you. Find out more about the best assets to invest in for financial freedom.
April 18, 2024

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Making your money work for you is the most important step towards financial freedom. It's also useful to help you achieve your investment goals like buying a car or rock climbing in Mallorca, Spain. 

But the problem is, nobody tells you how to make your money work for you. There's too much noise, especially with the sheer volume of investments and information that are on the market. 

We're here to help you get crystal clear information so that you can make your money work for you. To start off, you need to invest in assets that beat inflation. Let's see why. 

Buy Assets That Can Beat Inflation 

Inflation indicates the rising cost of goods and services, not an increase in the value of your paycheck that's used to buy them. Rising inflation generally cripples the value of a nation's currency and buying potential.

As an extension, inflation can kill the wealth you can potentially create. Take for example the current rate of inflation in India that is ~5%. Investing in an FD with 4.5% returns will set you back by 0.5%. 

This means that your wealth is eroding, not growing or working for you. It's actually working against you. That's why investors tend to buy market-linked assets like stocks or mutual funds. 

These assets have been generally known to outpace inflation. The average returns generated by top-quality stocks ranges between 9-12%. Mutual funds can potentially generate between 6-15% returns. 

Thus, buying assets that beat inflation is one of the most efficient ways to make your money work for you. Apps like Cube make it easy for you to access top-quality stocks and mutual funds. 

Download Cube to know more 

Find Passive Income Sources 

Passive income is the pinnacle of making your money work for you. It can be understood with a classic example - your money earns interest and grows while you sleep. What's not to love!

The definition of passive income might seem simple enough. But the secret sauce lies in investing in the right assets. Some of these sources of passive income include:

  • P2P lending
  • Consumer loans via merchants
  • Asset leasing
  • Dividend stocks 
  • Dividend Mutual funds
  • Rental income
  • Assets that pay an annuity 

Take for example P2P lending by Faircent. The asset has the potential to generate 3x better returns than an average bank FD. Furthermore, investors get recurring payouts. 

Here's a snapshot of passive income-generating options on Cube Wealth:

Investment Option

Scheme Returns


Minimum investment amount

P2P lending


12 months


Consumer loans via merchants


Scheme based


Asset leasing


Scheme based


Explore Passive Income Sources

Invest In Real Estate

Investing in real estate sets you up for two possibilities:

1. Passive rental income

2. Future sell-off

Both of these possibilities are useful in putting your money to work for you. After all, most real estate investors have to take out a loan to buy these properties. 

The baseline expectation would be to earn a profit that's greater than the loan and interest combined. But investing in real estate is a long term play in terms of buying and selling.   

There are alternatives like REITs, mutual funds, and alternative investments that can generate passive income with less overhead and liquidity issues. 

Start A Retirement Fund

Most of us don't have the luxury of earning a pension just like our parents and grandparents did. That's why it's even more important to make a part of your money work for your post-retirement life. 

The approach has to be goal and risk-based with a special focus on covering all your bases - short, medium, and long term expenses. The potential assets for this purpose include:

Watch this video to know more about Cube's perfect portfolio method

Track Your Financial Journey

Investing in solid assets is step-1 of making your money work for you. Step-2 is recurring and involves evaluating your portfolio and tracking your journey towards financial freedom quarterly, monthly, or annually. You can consult a Cube Wealth Coach or download Cube Wealth App.

That's because financial dynamics can change - the markets may be kind to certain assets while others fall off the wagon due to micro or macroeconomic factors. 

It's best to be prepared for these scenarios by having someone who is financially sound, like a Cube Wealth Coach, by your side. They can periodically evaluate your portfolio and suggest a course correction. 

Cube offers you one free portfolio analysis. Claim it here

Know Your Net Worth

Making your money work for you is only possible if you have a healthy net worth. Otherwise, you'll be working against yourself or as the English say, swimming against the tide.  

Notice the term "healthy" - it implies that you're debt-free. In this case, being debt-free implies not taking out a loan to keep up appearances. For example, buying the latest iPhone or the trendiest car. 

After all, these are depreciating assets that will lose value as time passes, the opposite of what we're trying to achieve - making money work and grow for you over time. 

If you have existing debt in the form of a home loan, work towards paying it off. At the same time, invest in quality assets that can bump up your net worth simultaneously. 

You can calculate your net worth using Cube's free calculator

More Ways To Make Your Money Work For You

1. Pay Yourself First

Make your money work for you by saving and investing for your future self. Live below your means but also splurge wisely to keep your morale elevated

At the end of the day, making your money work for you involves having the confidence to treat yourself without having to worry about putting a dent in your portfolio. 

Above all, it also encourages you to maintain a balance between living below your means and spending as and when required on experiences and essentials. 

Read this blog to know how to budget and manage your salary

2. Find A Side Hustle

Having a side hustle would generally require you to put in dedicated work for a specific amount of time to reap rewards. For example, creating a catchy tune that can fetch you royalties. 

Read this blog to know more about the top passive income ideas for investors

3. Invest In A Business

A business partner who has skin in the game stands to earn passive income through profits or a salary based on the profitability of the business. This is one way to put your money to work but it may not be accessible to everyone. You can consult a Cube Wealth Coach or download Cube Wealth App.

4. Save While You Spend

Investing isn't the only way to make your money work for you. It also includes saving money wherever you can. For example, bargaining - don't be afraid to spot and buy a bargain to save an extra penny. 

The extra penny saved can go towards other things or even investing. Other ways to save money include claiming cashback and rewards in a smart way. The same principle applies - save money and direct it towards investing or personal expenses. You can consult a Cube Wealth Coach or download Cube Wealth App.

Read this blog to know how to manage your salary wisely


Making your money work for you is part science and part art. The science involves identifying your risk profile and investment goals. The art involves investing in solid assets with top-notch financial advice. 

Cube helps you make your money work for you by giving you access to reliable investment options from the world of mutual funds, stocks, alternative assets, and more. 

Download Cube Wealth to get started

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Priya Bansal
Curious about personal finance and all things money. Can either find me reading a book or dancing to a tune.

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