Is your money growing, or is it sitting in a bank account collecting dust? Once you start saving, you have to make a decision about what you’re going to do with the money. At first, you may be most comfortable just letting it build up in your bank account. It’s not the worst idea to build up an emergency savings fund, but at a certain point, inaction is lost potential.

If you’re one of the 43% of Millennials who isn’t investing, you’re not getting the returns you need to meaningfully save for retirement, a down payment, or any future financial goals.

These investment vehicles can change that. Obviously, the results may vary in which case you may want to use an investment calculator to get a better idea on overall yields. Nevertheless, these investment vehicles can still help you grow your wealth and start building your savings.

#1 Stocks

Stocks are probably the most tried-and-true way of building your savings. Stocks offer an opportunity to grow your wealth far beyond what you would be able to set aside on your own.

Investing in the stock market doesn’t have to mean poring over the indexes and trying to figure out which company will perform better from quarter to quarter, you can easily find a stock picking service online to help you. You don’t need to be on Reddit to find out which stock is going to be the next hot commodity. If you want to get started in your investing journey check out this Motley Fool stock advisor review.

You’re going to be much better off investing in a mutual fund. Despite the fees, they provide built-in diversification, professional management, and they are remarkably easy to get into and out of.

#2 Gold

Want to invest in something tangible? Concerned that high inflation will eat away at your savings? Gold can be a great investment if you want something that is going to maintain its value through recessions and economic crises.

You can also include Canadian bullion in your registered retirement savings, the same way you would include stocks or bonds. It’s a well-established investment vehicle that operates as a great counter-balance to stocks.

If you’re nervous about the stock market, you’re not alone. The 2008 stock market crash saw indexes lose as much as 50% of their value, and they continued to struggle for years, all while gold prices skyrocketed.

#3 Bonds

Bonds are the perfect asset for those who believe in “slow and steady wins the race.” They come with much lower returns than stocks but also much lower risks. You’re largely guaranteed to see the promised return.

The trick is finding bonds that will outpace inflation in today’s low-interest markets.

#4 Cryptocurrency

If you’re looking to make a more adventurous move with your money, there’s the brave new world of cryptocurrency. Cryptocurrencies like Bitcoin and Ethereum are everywhere now, and it’s only become easier to invest in them.

There are plenty of bullish opinions about cryptocurrencies as their use becomes more widespread, but it remains a wildly speculative investment. Consider the risks before settling on an asset. You can find help at xCoins to know more about cryptocurrency and how to manage it.

#5 Real Estate

Real estate has the highest barrier to entry. It’s much easier to buy an ounce of gold or a bond than a house, but you might want to consider investing in a REIT if you’re convinced that property values are only going to go up.