Jasmine Birtles
Your money-making expert. Financial journalist, TV and radio personality.
The Most Boring Investments That Could Quietly Make You Rich
Ruby Layram
4th Aug 2025
We live in a world where crypto coins, tech startups, and flashy trading apps get all the attention. Everyone’s looking for the next big thing to double their money overnight. But here’s a little secret: some of the best ways to grow your wealth are actually mind-numbingly boring.
Yep. No drama, no hype, no late-night Reddit scrolling. Just slow, steady, reliable wealth building. Here are five “boring” investments that could quietly make you rich over time… if you let them.
1. Index Funds: The ‘Lazy Genius’ Way to Invest
Index funds are like the set-it-and-forget-it meal preps of the investing world. They track the performance of a whole market, like the FTSE 100 or the S&P 500, and require zero effort on your part.
You don’t need to know which company is doing well this month or what stock to dump before earnings day. Just invest regularly and let the market do its thing. Historically, the S&P 500 has returned around 7–10% per year after inflation, not bad for something that doesn’t even require you to lift a finger.
MoneyMagpie tip: Look for low-fee index funds like those from Vanguard or Fidelity. The less you pay in fees, the more you keep in profits.
Also read: 5 ‘lazy’ investing tips that could make you your millions!
2. Dividend Stocks: Cash While You Sleep
Dividend stocks are shares in companies that pay you a portion of their profits, usually every quarter. It’s like getting a mini paycheck just for holding on to your shares.
Sure, they’re not the most exciting investments out there (think utilities, telecoms, and big consumer brands), but they tend to be stable, and those payouts can really add up over time, especially if you reinvest them.
MoneyMagpie tip: Check the dividend yield before you buy. A yield between 3–6% is generally considered healthy and sustainable.
3. Premium Bonds: No Risk, All Reward?
If you’re in the UK and want a totally risk-free way to maybe earn money, Premium Bonds might be worth a look.
Instead of paying interest, they enter you into a monthly prize draw. You could win £25… or £1 million. And your money’s always safe with NS&I (backed by the Treasury), so it’s a low-risk, no-fuss place to stash your cash.#
Are they boring? Yes.
Could they make you rich? Also yes. But maybe just slowly.
4. Government Bonds: Steady Eddies
They’re not flashy, but government bonds are about as stable as you can get. You’re essentially loaning money to the UK government (gilts) or another government and getting paid interest for the privilege.
They don’t shoot the lights out in terms of returns, but they do provide predictable income and are great for balancing riskier assets in your portfolio.
MoneyMagpie tip: Use bonds to hedge your portfolio. When stocks go down, bonds often go up.
5. REITs (Real Estate Investment Trusts: Property Without the Hassle
Want to invest in property but don’t fancy dealing with tenants, leaks, or boiler breakdowns? Enter REITs.
REITs are companies that own or finance income-producing real estate, everything from flats to shopping centres. You buy shares in the REIT, and in return, you get a slice of the rental income and potential price growth.
MoneyMagpie tip: REITs often pay decent dividends and can be held in an ISA for tax-free income.
So… Why Are These Boring Investments Worth Your Time?
Because they work. They’re consistent. They’re proven. And they don’t rely on hype or hot tips. Over time, boring investments have a sneaky way of beating the flashy ones, especially once you factor in lower risk, compounding returns, and peace of mind.
If you’re tired of chasing quick wins and ready to build real, long-term wealth, boring might just be beautiful.
Want to Start Investing the Smart (and Boring) Way?
Take a look at our guides to:
- How to Research Stocks Like a Pro
- The Best Stocks and Shares ISAs in 2025
- The Best Gold ETFs to Buy in 2025
Final Thoughts
When it comes to long-term wealth building, ‘boring’ might be the way to go! The key is to invest in assets that have strong fundamentals, room for growth and solid demand.
In this post, I have shared 5 boring investments that are popular amongst UK investors. I recommend taking time to research each option in more detail before making a final decision.
Are you interested in learning more about investing? Why not sign up to the MoneyMagpie bi-weekly Investing Newsletter? It’s free and you can unsubscribe at any time if you find it isn’t for you.
Disclaimer: MoneyMagpie is not a licensed financial advisor and therefore information found here including opinions, commentary, suggestions or strategies are for informational, entertainment or educational purposes only. This should not be considered as financial advice. Anyone thinking of investing should conduct their own due diligence. When investing your capital is at risk.
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