Do you have any extra money? Do you wish your job paid more than what it does? If you really want to start making more money, start saving now so that you have the cash to invest. It can be done.

You could buy stocks, bonds, mutual funds, real estate, commodities or money market funds. There are so many different types of investments, which ones should you choose? Some will earn you more money than others. Can the stock market earn you more money than bonds or commodities?

Stocks over bonds is almost always a guaranteed higher return. The historical return of the stock market is about 10 to 13%. That means that if you invest over the next 30 or so years in the stock market, on average you’ll earn between 10 and 13%.

If you invest in bonds and CDs or certificates of deposit, you’ll be lucky if you can get 6%. Bonds are usually more stable, unless you get into junk bonds. If you want to earn more money, you should invest in the stock market.

Stocks are usually more risky than bonds, but you can control that risk. Diversify your portfolio and you cut down on a lot of that risk that could potentially lose you a lot of money. Invest in stock mutual funds, and you can instantly diversify your stock and not have to worry about choosing and researching your stocks.

That brings us to another great benefit. Stocks are much easier to invest in than commodities, derivatives, or real estate. Some people will say that’s not the case, but generally it’s easier to get your hands on stock than an apartment building and it’s easier to understand how you will make money when you buy a stock then when you get into futures and options.

Unless you love math and derivatives, you’d probably do better to stay away. You probably haven’t ever even heard of a future before. If you do decide to invest in them, you still are investing in the stock market.

If you really want to make a lot of money, invest in the stock market. You can make a lot of money with minimal risk if done right and without complication. You can even get started as soon as you want.