13 Passive Income Ideas for 2023 | Personal Capital (2023)

When you’re trying to pay off debt, save for retirement, or reach any other financial goal, having an additional income stream can go a long way. Not only that, but extra income can help pad your budget during times of high inflation or help keep you on stable ground if you lose your primary source of income.

But bringing in additional income is often easier said than done, especially if you already feel like there aren’t enough hours in the day.

That’s where passive income comes in. While it may require some time or money to get started, passive income then allows you to bring in an additional income stream without trading your time for money. Keep reading to learn more about what passive income works, passive income ideas, and how to minimize taxes on your passive income.

What is Passive Income?

There are two different ways we can define passive income. First, passive income describes income you earn with little to no ongoing effort. Of course, that definition makes it sound easier than it really is. After all, if there were a way to make money with no effort, wouldn’t everyone do it?

Generally speaking, you’ll need one of two things to start earning passive income: time or money. Sure, passive income can eventually provide you with extra money with little to no added work.

But before you get to that point, you’ll have to make a time or money investment to get it started. The good news is once you make that investment, passive income can start rolling in without trading your time for money.

The other definition of passive income comes from the IRS and is defined as either rental activities or trade or business activities in which you don’t materially participate throughout the year. This definition is important because income from passive activities has a special tax treatment.

For the purposes of this article, we’ll be using the first definition of passive income, which is income you can earn with little to no ongoing effort.

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Ways to Maximize your Investments

One of the best ways to create passive income is to maximize your investments. Of course, this passive income strategy requires an upfront financial investment. It’s generally best suited for those who have excess cash today and want to use it to create passive income for the future.

Here are a few ways you can use your investments to create passive income:

Dividend Stocks and Funds

Dividends are payments that companies make to their investors as a way of passing along their profits. Dividends are usually paid on a quarterly basis (though they can also be paid monthly or annually). They’re usually issued on a per-share basis, meaning each shareholder will receive a certain dollar amount for each share they own.

Companies don’t have to issue dividends, but many do as a way of rewarding and enticing investors. You can create passive income from dividends by investing directly in dividend stocks or by investing in dividend mutual funds and exchange-traded funds (ETFs).

Bonds and Bond Funds

A bond is a debt security that a company or government entity issues as a way to raise capital. An investor lends the issuer money by purchasing the bond. In return, the bond issuer makes interest payments to the investors throughout the life of the bond. When the bond reaches maturity, the issuer will return the investor’s principal investment.

Bonds pay interest on a set schedule, usually twice per year. The amount you can earn is based on the interest rate of the bond. Like dividend stocks, you can make passive income from bonds by directly purchasing bonds or by investing in bond mutual funds and ETFs.

Real Estate

Real estate has the potential to provide passive income in a couple of different ways:

  • Rental properties: You can buy a rental property and earn passive income through the rental income the property brings in. Keep in mind that managing a property can be a lot of work, so this income is only likely to be truly passive if you hire someone to manage the property for you.
  • Real estate investment trusts (REITs): REITs are publicly-traded companies that own and manage real estate. By investing in REITs, you’re buying a small piece of ownership of the property that the company owns and, in return, will get a small piece of the profits.
  • Real estate crowdfunding: Similar to investing in REITs, real estate crowdfunding allows you to pool your money with other people to invest in real estate. There’s generally a company that directly owns and manages the real estate and passes along profits to the investors.

CDs, HYSAs, High-Yield Cash Accounts

Certificates of deposit (CDs), high-yield cash accounts, and high-yield savings accounts (HYSAs) are two banking products that allow you to earn a small amount of interest from your money. They both work similarly, where you deposit your money in the account and earn a set amount of interest.

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HYSAs work like any other savings account, where you can deposit and withdraw money at any time. CDs usually require that you lock up your money during the CD’s term and can withdraw it when the CD reaches maturity.

High-yield savings and cash accounts can both earn competitive interest rates. But there are a few significant differences:

  • A savings account often limits your transactions to six per month, whereas a cash account may allow for more.
  • Some cash accounts also allow for check writing, while savings accounts do not.

While CDs and HYSAs generally have lower returns than other investment opportunities, they also have a considerably lower risk because they are FDIC-insured. In other words, there’s no chance of losing your money.

Cryptocurrency Staking

Cryptocurrency staking is similar to putting cash in a HYSA or CD. You agree to lock up your cryptocurrency for a period of time. Staked coins are used to help maintain the blockchain and ensure its security. In return, you’ll earn a percentage return on your staked crypto.

Cryptocurrency staking isn’t available for all coins, nor do all platforms allow staking. If you own cryptocurrency, do some research to find out if you’re able to stake.

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Other Passive Income Ideas for Beginners

Investing is one of the best ways to earn passive income because it doesn’t require any of your time. However, it does require an upfront financial investment, which not everyone can make. Luckily, there are other forms of passive income that require a bit of upfront effort but then allow you to earn passive income from your work.

Here are a few ideas:

  • Create and sell an online course or e-book
  • Become an affiliate for products and make money with affiliate marketing
  • Sell your art or photography online
  • Rent out your car or a room in your home
  • Build a website and install ads
  • Create and sell an app
  • Set up a dropshipping business
  • Create a blog or YouTube channel

When trying to decide the best way to earn passive income, start by thinking of what you enjoy doing. If you already create art or take photos as a hobby, it would be easy to start selling your work online. Meanwhile, if you love writing, creating a blog and making money with affiliate marketing or advertising might be a better option.

Remember that each of these types of passive income will require upfront work on your part. The amount of work required depends on the passive income stream you choose.

There’s not necessarily one source of passive income that’s best for everyone. However, it’s worth considering what will earn you the most money for the least amount of work (and will continue to make you money on an ongoing basis).

Minimize Taxes on Passive income

Just like the income at your full-time job, the money you make from passive income sources will be subject to taxes. And if you don’t plan ahead, you could end up with a large and unexpected tax bill at the end of the year (or in trouble with the IRS if you fail to report all your income and pay all your taxes).

One of the simplest ways to minimize your tax burden is by writing off your business expenses. Generally speaking, you can write off any expenses that are both ordinary and necessary for your line of business. For example, if you set up a website, the money you pay for your domain name and website design would be ordinary and necessary for your business.

Deductible business expenses directly reduce your taxable income. For example, if you earn $1,000 and have $250 of deductible expenses, you have a taxable income of $750.

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Another way to minimize the taxes on your passive income is to invest the money in a tax-advantaged investment account. When you earn passive income from a side hustle, you’re able to set up a retirement account for self-employed individuals, including a SEP IRA or Solo 401(k). Even if you choose not to set up one of these accounts, you can invest the money in a traditional IRA.

Each dollar you contribute to one of these tax-advantaged accounts reduces your taxable income and, therefore, reduces the amount of taxes you’ll pay for the year.

Next Steps for You

Passive income can go a long way in helping you reach your financial goals. It’s also important to have the right tools by your side. Personal Capital’s free financial dashboard has all the tools you need to help you manage your finances, including budgeting and cash flow tools, a savings planner, an investment checkup tool, and more. Sign up for free today.

Get Started with Personal Capital’s Free Financial Tools

Author is not a client of Personal Capital Advisors Corporation and is compensated as a freelance writer.

*The Personal Capital Cash Annual Percentage Yield (APY) is as of August 2022. The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at our discretion at any time without notice.

The content contained in this blog post is intended for general informational purposes only and is not meant to constitute legal, tax, accounting or investment advice. Compensation not to exceed $500. You should consult a qualified legal or tax professional regarding your specific situation. Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. Any reference to the advisory services refers to Personal Capital Advisors Corporation, a subsidiary of Personal Capital. Personal Capital Advisors Corporation is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC.

FAQs

Where should I put money 2023? ›

17 Best High-Yield Investments for 2023 (Least to Most Risky)
  • High-yield savings accounts.
  • Certificates of deposit.
  • I Bonds.
  • Money market accounts.
  • Government bonds.
  • Municipal bonds.
  • Corporate bonds.
  • ETFs.
14 Sept 2022

How can I generate 2022 passive income? ›

Passive income ideas:
  1. Create a course.
  2. Write an e-book.
  3. Rental income.
  4. Affiliate marketing.
  5. Flip retail products.
  6. Sell photography online.
  7. Buy crowdfunded real estate.
  8. Peer-to-peer lending.
19 Sept 2022

What is the most profitable passive income? ›

30 passive income ideas to earn money
  • Sell NFTs.
  • Create a job board.
  • Create no-code apps.
  • Write a digital guide.
  • Earn royalties through inventions.
  • Record audiobooks.
  • Invest in vending machines.
  • Build and sell spreadsheets.
4 Nov 2022

How can I start passive income with no money in 2022? ›

Best passive income ideas
  1. Company shares. Some, but not all, companies pay dividends to shareholders. ...
  2. Investment trusts. Investment trusts invest in assets such as shares, and the majority of trusts pay dividends to investors. ...
  3. Funds. ...
  4. Fixed-rate bonds. ...
  5. Premium bonds.
10 Aug 2022

Which stocks will go up 2023? ›

Here are three growth stocks that could skyrocket 50% or more in 2023, according to Wall Street.
  • MercadoLibre. The consensus 12-month price target for MercadoLibre (MELI 0.55%) among analysts surveyed by Refinitiv reflects a 62% upside potential. ...
  • Meta Platforms. ...
  • Zoetis.
27 Oct 2022

What are the top 10 passive incomes? ›

Whether you want to make a financial investment or start a business, here are 11 ideas to consider for your passive income strategy:
  1. Make financial investments. ...
  2. Own a rental property. ...
  3. Start a print-on-demand shop. ...
  4. Self publishing. ...
  5. Sell worksheets. ...
  6. Sell templates. ...
  7. Create content. ...
  8. Create an online course.
1 Nov 2022

How can I make 10000 next month? ›

Ways How To Make a Month $10,000 Without Much Capital
  1. Share your expertise. Are you an expert woodworker? ...
  2. Teach online courses. ...
  3. Sell other people's products. ...
  4. Profit from your crafts. ...
  5. Design and sell merch. ...
  6. Start a podcast. ...
  7. Market other people's products. ...
  8. Send emails.

What are 3 forms of passive income? ›

Passive Income: 10 Ways to Make Money While You Sleep
  • Dividend stocks. ...
  • Dividend index funds and exchange-traded funds. ...
  • Bonds and bond index funds. ...
  • High-yield savings accounts. ...
  • Rental properties. ...
  • Peer-to-peer lending. ...
  • Private equity. ...
  • Content.
31 Oct 2022

What are the 9 possible sources of income? ›

WhatsApp
  • Earned income.
  • Profit.
  • Interest income.
  • Dividend income.
  • Rental income.
  • Capital gains.
  • Royalty income.
  • Residual income.
13 Jun 2022

How can I make 2k a month? ›

How to Make an Extra $2,000 a Month Working From Home
  1. Freelance Writing. ...
  2. Become a Virtual Assistant. ...
  3. Give Direct Sales a Go. ...
  4. Try One of These Side Hustle Ideas. ...
  5. Become a Freelancer. ...
  6. Get Creative. ...
  7. Start a Blog. ...
  8. Become a Proofreader.
17 Jan 2022

How can I make a 5k monthly passive income? ›

  1. 6 Ideas to Make $3000–5000 Per Month in Passive Income. ...
  2. Run a blog and use ad revenue. ...
  3. Outsourcing. ...
  4. Create an ebook or course. ...
  5. Write and publish an ebook. ...
  6. Create a software product. ...
  7. Residual Income With Review Sites.

Which sectors will grow in next 5 years? ›

List of the Top Sectors in India that are Most Likely to Provide Excellent Returns-
  • Healthcare and Insurance Sector. ...
  • Renewable Energy Sector. ...
  • IT Sector. ...
  • Real Estate Sector. ...
  • Fast Moving Consumer-Goods Sector (FMCG) ...
  • Automobile Sector.
19 May 2022

Which stock will double in 3 years? ›

DD's Stock Doubling in 3 years
S.No.Name10Yrs return %
1.Pidilite Inds.28.79
2.SRF49.22
3.Mindtree34.79
4.P I Industries41.66
22 more rows

Which sector will grow most in future? ›

5 Future Industries in India That Have High Demand
  • Renewable energy sector in India.
  • Semiconductor sector in India.
  • ​Drone industry in India.
  • Artificial Intelligence (AI) sector in India.
  • Internet of Things (IoT) sector in India.
21 Oct 2022

How can I build my wealth in 5 years? ›

How To Build Wealth
  1. Start by Making a Plan. Building wealth starts with making a financial plan. ...
  2. Make a Budget and Stick to It. ...
  3. Build Your Emergency Fund. ...
  4. Automate Your Financial Life. ...
  5. Manage Your Debt. ...
  6. Max Out Your Retirement Savings. ...
  7. Stay Diversified. ...
  8. Up Your Earnings.
15 Jul 2022

Where to put money you will need in 5 years? ›

  • Where to keep money you plan to use in 5 years or less. Cash you may need in five years or less usually includes money in your emergency fund. ...
  • High-yield savings accounts. ...
  • Certificates of deposit (or CDs) ...
  • Money market funds. ...
  • Where NOT to put the money you need in 5 years or less.
27 Apr 2020

What is the best asset to buy now? ›

Overview: Best investments in 2022
  1. High-yield savings accounts. ...
  2. Short-term certificates of deposit. ...
  3. Short-term government bond funds. ...
  4. Series I bonds. ...
  5. Short-term corporate bond funds. ...
  6. S&P 500 index funds. ...
  7. Dividend stock funds. ...
  8. Value stock funds.
1 Nov 2022

How can I make extra income? ›

Here are my favorite in-demand side hustles — some can earn you up to $3,000 a month — and where to find them:
  1. Selling stock photos. ...
  2. Transcribing audio. ...
  3. Renting out your car. ...
  4. House-sitting, babysitting or pet-sitting. ...
  5. Product testing and research studies. ...
  6. Mystery shopping. ...
  7. Selling unwanted stuff. ...
  8. Junk hauling.
10 Aug 2022

How can I make passive income 2500 a month? ›

Here are five ways I make over $2,500 in passive income every month.
...
  1. Cash-back rewards. ...
  2. Investing in small businesses. ...
  3. Peer-to-peer lending. ...
  4. Print-on-demand merchandise. ...
  5. Selling ads.
4 Aug 2022

How can I make 100 a day? ›

How to make $100 a day: 36 creative ways to make money
  1. Take part in research (up to $150/hour) ...
  2. Get paid to take surveys. ...
  3. Get paid to watch videos online. ...
  4. Answer questions for money. ...
  5. Download this app and make money by going online. ...
  6. Get paid to play games online. ...
  7. 7. Make an extra $100 pet sitting. ...
  8. Become a shopper.
3 Nov 2022

What is a profitable side business? ›

What are the most profitable side hustles to make money? A dropshipping business. Selling your own handcrafted products. Creating and selling your own designs. Selling services as a freelancer.

How can I make 10 grand fast? ›

24 Ways to Make $10,000 Fast
  1. Get a New Bank Account. ...
  2. Open a Credit Card. ...
  3. Transfer Funds to a New Brokerage Account. ...
  4. Invest in Real Estate (Roofstock, Fundrise, etc.) ...
  5. Rent Out Your Home Space. ...
  6. Teach Your Skills Privately. ...
  7. Sell Unwanted Jewelry. ...
  8. Sell Your Stuff.
26 Oct 2022

How can I make passive income fast? ›

Passive Income Ideas Requiring an Upfront Time Investment
  1. Sell an eBook Online. Self Publishing is mainstream today. ...
  2. Create a Course on Udemy. ...
  3. Selling Stock Photos. ...
  4. Licensing Music. ...
  5. Create an App. ...
  6. Affiliate Marketing. ...
  7. Network Marketing. ...
  8. Design T-Shirts.
24 Oct 2022

What are 5 heads of income? ›

The 5 heads of income tax are:
  • Income from salary.
  • Income from house property.
  • Income from profits and gains from business or profession.
  • Income from capital gains.
  • Income from other sources.
17 Nov 2022

What is income Give 5 examples? ›

Ordinary income encompasses earnings, interest, regular dividends, rental income, distributions from pensions or retirement accounts, and Social Security benefits. Ordinary income is taxed at rates ranging from 10% to 37% in 2022.

What are 4 examples of income? ›

TYPES OF INCOME
  • Wages. This is income you earn from a job, where you are paid an hourly rate to complete set tasks. ...
  • Salary. Similar to wages, this is money you earn from a job. ...
  • Commission. ...
  • Interest. ...
  • Selling something you create or own. ...
  • Investments. ...
  • Gifts. ...
  • Allowance/Pocket Money.

What's a good side hustle? ›

Freelance work is a great side hustle, and companies are almost always looking for skilled labor to help them get things done. A few examples of freelance work include: Writing articles, social media posts, newsletters, and/or blogs.

How can I make 1500 a week? ›

How To Make 1500 A Week: Realistic Ways
  1. Be a freelance writer. Working as a freelance writer is one of the most approachable work-from-home options. ...
  2. Manage a niche website. ...
  3. Run a regular blog. ...
  4. Work as a virtual assistant. ...
  5. Sell online courses. ...
  6. Profit off your web design skills. ...
  7. Rent out things you own. ...
  8. Write an ebook.

How can I double 50k? ›

How To Turn 50k Into 100k: The Preparations
  1. Pay Off Your Debts. ...
  2. Get Your Emergency Fund In Order. ...
  3. Assess Your Risk Tolerance. ...
  4. Put Your Money Towards An IPO. ...
  5. Real Estate Investing. ...
  6. Invest In Mutual Funds. ...
  7. Flip Products On Amazon. ...
  8. Create and Sell Digital Products.

How can I make 200 dollars a day? ›

Here are a variety of things you can do to bring in $200 or more a day:
  1. Take Online Surveys.
  2. Invest.
  3. Pet Sit.
  4. Babysit.
  5. Be an Airbnb Host.
  6. Freelance on Fiverr or Upwork.
  7. Take Jobs on TaskRabbit.
  8. Become a Social Media Manager.
29 Sept 2022

How do you earn passive income in 7 days or less? ›

7 ways to start earning passive income in 7 days or less
  1. #1. Invest in real estate. ...
  2. #2. High-interest savings accounts (HISAs) ...
  3. #3. Rent out your car. ...
  4. #4. Outsourcing your freelance work. ...
  5. #5. Peer-to-peer lending. ...
  6. #6. Selling your leads. ...
  7. #7. Monetize your blog.
8 Sept 2021

How can I make money with no income? ›

How to Make Money Without a Job: 11 Ways in 2022
  1. Get paid to test websites.
  2. Become a crowdworker.
  3. Design and sell t-shirts.
  4. Work as a transcriber.
  5. Shop for others.
  6. Sell crafts online.
  7. Get paid to pet sit.
  8. Sell your photos online.
8 Feb 2022

What businesses can make you rich? ›

  • Financial Services.
  • Eldercare.
  • Business Consultancy.
  • Investment Firm.
  • Education and Training Service.
  • Insurtech.
  • Cleaning Business.
  • Healthcare Consultancy.
11 May 2022

How can I make $500 a week easy? ›

How to Make $500 Fast
  1. Get a ridesharing gig. ...
  2. Become a personal grocery shopper. ...
  3. Resell unused CDs, DVDs, and other tech online. ...
  4. Walk dogs or pet sit. ...
  5. Babysit. ...
  6. Rent out your space. ...
  7. Rent out your RV. ...
  8. Rent out your car.
1 Nov 2022

How can I make an extra 3000 a month? ›

How To Make 3000 a Month
  1. Offer Proofreading Services. ...
  2. Get Paid to Answer Online Surveys. ...
  3. Get Paid to Take Part in Research Groups. ...
  4. Nielsen App. ...
  5. Be an Online Worker. ...
  6. Launch, Manage And Monetize a Blog. ...
  7. Be an Affiliate Marketer. ...
  8. Get Paid to Write Reviews.

Where is the best place to put your money right now? ›

Best investments for short-term money

Bank products and Treasurys are safest, corporate bond funds slightly less so. CDs and bonds are relatively low risk compared to stocks, which can fluctuate a lot and are high risk.

What will the stock market do in 2023? ›

More than half the respondents expect the S&P 500 to finish 2023 within a range of 10% lower or higher. That's in line with Wall Street's expectations, with strategists at Goldman Sachs Group Inc., Morgan Stanley and Bank of America Corp. among those who see the S&P 500 relatively unchanged about 12 months from now.

Where should I keep my money for 5 years? ›

Bank certificates of deposit, or CDs

CDs offer a pre-set, guaranteed interest rate if you lock your money away for a set term (ranging from three months to five or more years).

Where do wealthy people keep their money? ›

For more than 200 years, investing in real estate has been the most popular investment for millionaires to keep their money. During all these years, real estate investments have been the primary way millionaires have had of making and keeping their wealth.

Where should I put 50k savings? ›

Property investment is likely the best way to invest 50k in 2022. It would help if you spoke to a financial advisor before deciding to invest money. A savings account is the safest way to invest 50k. You need to know your risk tolerance before deciding where to invest 50k.

Where should I put 20k in savings? ›

  1. Invest with a robo-advisor. ...
  2. Invest with a broker. ...
  3. Do a 401(k) swap. ...
  4. Invest in real estate. ...
  5. Put the money in a savings account. ...
  6. Try out peer-to-peer lending. ...
  7. Pay for an education. ...
  8. Pay off debt.
19 Oct 2022

Where should I invest 10k right now? ›

How To Invest $10,000
  • Open an IRA. Bolstering your retirement savings is a great use of $10,000. ...
  • Invest in Mutual Funds and ETFs. ...
  • Build a Stock Portfolio. ...
  • Invest in Bonds. ...
  • Buy Real Estate with REITs. ...
  • Prepare for healthcare costs with an HSA. ...
  • Considering Crypto? ...
  • Focus on the long-term.
22 Sept 2022

What assets can I invest in to get rich quickly? ›

Investing for income: 7 money-generating assets for your portfolio and how to get started
  • Dividend stocks. ...
  • Bonds. ...
  • Real estate. ...
  • Money market funds. ...
  • Certificates of deposit. ...
  • Money market accounts. ...
  • Annuities.

Will stocks recover in 2023? ›

The bear market in stock markets is forecast to intensify before giving way to more hopeful signals later in 2023, according to Goldman Sachs Research. The MSCI All Country World Index of global equities has fallen about 19% this year.

Which stock will grow in future? ›

growth stocks for future
S.No.NameROCE %
1.EKI Energy236.09
2.Tips Industries86.50
3.Tanfac Inds.67.12
4.Guj. Themis Bio.66.80
22 more rows

Which bank gives 7% interest on savings account? ›

DCB Bank. Interest rates for savings accounts at DCB Bank are effective as of August 22, 2022. The bank is now giving an interest rate of 7.00% on account balances between 25 lakh and less than 2 crore.

How much is $5 a day for 30 years? ›

You don't need a lot of money to start investing. What you need is time. If you save $5 a day in an account with a 10 percent annual return, you'll have around $30,000 in 10 years, $330,000 in 30 years and $2.3 million in 50 years.

Where should I put 100k cash? ›

Here are some of the best ways to invest $100,000:
  1. Focus on growth industries and stocks. The world economy is changing at a rapid pace, with some industries expanding and others contracting. ...
  2. Buy dividend stocks. ...
  3. Invest in ETFs. ...
  4. Buy bonds and bond ETFs. ...
  5. Invest in REITs.

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