Invest in commodities. Commodities, like oranges or pork bellies, can be a good way to diversify your portfolio if it's large enough. Why? Because commodities don't accumulate interest, don't pay out dividends, and aren't usually expected to outstrip inflation. They sit there, and have pretty big price fluctuations based on seasonal and cyclical factors.^[13] Timing them right is exceeding tough. If you have only $25,000 to invest, stick with stocks, bonds, and mutual funds.