Consider investing in real estate property. There are several things that make real estate riskier than investing in a mutual fund, for example. For one, the value of properties is cyclical, and many people who invest in real estate invest at the height of the market, not at the bottom. Buy at the height of the market and you could end up with an asset that's costing you lots of money (in property taxes, agent fees, etc.). Second, investing in real estate ties up money, meaning it's not easy to liquidate your investment quickly. It often takes months, if not years, to find a buyer if you no longer want to own the property.