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- Investing short-term usually covers a few months up to around three years.<\/li>\n\n\n\n
- They\u2019re great for in-between phases, upcoming expenses, or emergency funds<\/strong> where safety and access are key.<\/li>\n\n\n\n
- The most important factors are liquidity, low risk, and a return that ideally beats inflation<\/strong>.<\/li>\n\n\n\n
- Savings and fixed-term accounts are safe, but often pay just around 1.77% annually.\u00b9<\/li>\n\n\n\n
- More flexible options like Go & Grow combine near-instant access with up to 6%* returns per year<\/strong>.<\/li>\n<\/ul>\n\n\n\n
What is the best investment for the short-term?<\/strong><\/h2>\n\n\n\n
If you\u2019re looking to invest money short-term, you need a solution that balances safety, flexibility, and solid returns.<\/strong> The ideal product is easy to use, accessible when you need it, and doesn\u2019t make you choose between liquidity and returns. <\/p>\n\n\n\n
What works best for you depends on how long you can keep your money invested and how much risk you\u2019re willing to take. There\u2019s no one-size-fits-all, but with Go & Grow we created an investment product where you don\u2019t have to trade off returns for convenience:<\/strong> You earn up to 6%* p.a. in returns, and your money stays available anytime!*<\/p>\n\n\n\n
Here\u2019s a side-by-side look at the most common short-term investing options:<\/p>\n\n\n\n
Investment Option<\/strong><\/td> Volatility<\/strong><\/td> Flexibility<\/strong><\/td> Annual Return<\/strong><\/td> Best For<\/strong><\/td><\/tr> Go & Grow<\/td> Stable historical performance, returns may vary<\/td> Near-instant access*<\/td> Up to 6%*<\/td> \u2705 Competitive returns<\/td><\/tr> Fixed deposit (up to 12 months)<\/td> Very low<\/td> Locked in<\/td> Ca. 1.77%\u00b9<\/td> \u274c Too inflexible<\/td><\/tr> P2P loans<\/td> Medium to high<\/td> Sometimes daily access<\/td> Ca. 5-17%\u00b2<\/td> \u26a0\ufe0f Use trusted platforms only<\/td><\/tr> Money market funds<\/td> Low to medium<\/td> Typically accessible in 1-2 days<\/td> 1.5-2.2%3<\/sup><\/td> \u26a0\ufe0f More complex, limited real-return potential<\/td><\/tr> Short-term government bonds<\/td> Low (varies by issuer)<\/td> Traded daily<\/td> Ca. 1.96%4<\/sup><\/td> \u274c Market-specific<\/td><\/tr> ETFs<\/td> High<\/td> Traded daily<\/td> Ca. 7%5<\/sup><\/td> \u274c Better for long term investing<\/td><\/tr><\/tbody><\/table> * Capital at risk. The return of Go & Grow is up to 6%* p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.<\/em><\/figcaption><\/figure>\n\n\n\n The smarter alternative to traditional investments: What is Go & Grow?<\/strong><\/h3>\n\n\n\n
When it comes to short term investments, you need something that’s a well-balanced level of risk and still earns a competitive return. Traditional savings accounts or fixed deposits are safe, but their interest rates often don\u2019t keep up with inflation. So while those keep your capital intact, your real-world purchasing power may gradually decline.<\/p>\n\n\n\n
An attractive pick for short-term investing could be Go & Grow.<\/strong> Your money is automatically invested into a mix of fractions of consumer loans. After setting it up, you can add or withdraw money anytime!* <\/p>\n\n\n\n
How Go & Grow generates up to 6%* per year<\/strong><\/h3>\n\n\n\n
Go & Grow is a European-based product where you can invest in consumer loans. Investors earn daily returns on their balance, up to 6%* per year.<\/strong> Everything runs automatically, with your money being available at any time*.<\/p>\n\n\n\n
Here\u2019s how the business model works:<\/strong><\/p>\n\n\n\n
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- You add money to your Go & Grow account, starting from just \u20ac1<\/li>\n\n\n\n
- Your money is automatically spread across thousands of small loan fractions (diversification to reduce risk)<\/li>\n\n\n\n
- Bondora issues consumer loans to customers in several EU countries, with the most important markets being Finland, Denmark, the Baltics and the Netherlands <\/li>\n\n\n\n
- You earn daily returns on your account, up to 6%* per year<\/li>\n\n\n\n
- No lock-ins, you can withdraw your money anytime!*<\/li>\n<\/ul>\n\n\n\n
![\"\"](\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/05\/Blog-HowItWorks-EN-1024x548-1-1.jpg\")
How Go & Grow works \u2013 explained<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n Good to know: You don\u2019t lend to individuals, but invest in a broadly diversified pool of loan fractions. Over 500,000 investors have joined Bondora and Go & Grow since 2008. Active investors have collectively invested more than \u20ac2 billion and earned \u20ac179 million in returns. <\/p>\n\n\n
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<\/div><\/div>Join over 500,000<\/span> investors<\/h2>
Yes, that\u2019s what you earn with Go & Grow<\/span>. Daily payouts. Near instant access \u2013 no lock-up period.<\/p>\n<\/div>
- The most important factors are liquidity, low risk, and a return that ideally beats inflation<\/strong>.<\/li>\n\n\n\n