Tax season isn’t just about filing; it’s about what you do next.
If you’re not counting on your refund to cover bills, this is a great opportunity to put that money to work. The options below are beginner-friendly, low-barrier ways to start investing—and every single one comes with a KashKick bonus, so you earn a little extra just for getting started.
Start With What You Know: A Few Ground Rules
Before you dive in, keep these basics in mind:
- Start small. You don’t need thousands of dollars to start investing.
- Diversify. Don’t put everything in one place.
- Think long-term. The real magic of investing happens over time—not overnight.
- Avoid “too good to be true” promises. If something guarantees overnight riches, run.
Top Ways to Invest Your Tax Refund
Whether you’re a total beginner investor or just looking for a smarter place to put your money, these options are a great place to start.
KashKick offer amounts are subject to change and may vary.
1. Acorns: Round Up and Invest Your Spare Change
KashKick bonus: Earn $15 when you sign up and make your first recurring deposit.
Acorns is one of the easiest ways to start investing. Put your tax refund in to get started, then let Acorns keep the momentum going—it automatically rounds up purchases on your debit and credit cards and invests the spare change into a diversified portfolio.
It’s truly set-it-and-forget-it investing, perfect if you’re just getting started.
2. Ark7: Invest in Real Estate for as Little as $20
KashKick bonus: Earn $40 when you sign up and purchase your first share of $100+.
You don’t need to be a landlord to invest in real estate. Ark7 lets you buy fractional shares of rental properties—meaning you own a piece of the property and earn a portion of the rental income. It’s a simple, low-barrier way to add real estate to your portfolio without the headache of managing a property.
3. CIT Bank Savings Connect: Park Your Refund and Watch It Grow
KashKick bonus: Earn $25 when you sign up and deposit $100 or more.
Not quite ready to invest? That’s OK. A high-yield savings account (HYSA) is a smart, low-risk move—and CIT Bank’s Savings Connect account is a solid pick. No monthly fees, a competitive interest rate and your money grows while you figure out your next step.
A Few Tips Before You Invest
- Define your goal. Is this for retirement? A house? An emergency fund? Your goal shapes where you should put your money.
- Consider your timeline. Longer timelines = more room for risk. Shorter timelines = safer, more stable investments.
- Don’t panic over market dips. Short-term fluctuations are normal. Pulling out when the market drops is one of the most common (and costly) investing mistakes.
- Review your investments quarterly—but don’t obsess over daily changes.
Your Refund Is a Head Start
You don’t have to have it all figured out to start. Even a small investment today can grow significantly over time—thanks to the power of compounding returns.
So whether you’re rounding up spare change with Acorns, buying a fraction of a rental property with Ark7 or simply stashing your refund in a high-yield account, the most important step is the first one.
👉 Ready to earn a little extra to invest? Start with KashKick.
