Many people wait until January to start updating their finances. However, now is actually the best time to make changes for the biggest impact.
Some investments have annual contribution limits or deadlines, and now is when you can take advantage. Others require time, and there is no better time than today to get started.
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Keep reading as we explore six investments to make before 2026 ends that will pay off big in 2027.
1. Increase Your 401(k) Contributions
While increasing your 401(k) contributions might seem like a no-brainer, many people skip it altogether. Every year goes by, and with each raise, they continue to contribute the same amount to their retirement.
If you’re not coming close to the 2026 annual 401(k) contribution maximum of $24,500 ($32,500 if you’re 50 or older), consider increasing your contributions in the final few paychecks of 2026. Even an extra $500 today could have a huge impact on your retirement.
2. Invest More Through an HSA
A health savings account (HSA) is a largely underutilized investment vehicle. If you’re eligible, it offers several tax advantages.
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Contributions can be made pretax or are tax-deductible.
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Money is invested and can grow tax-deferred.
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Withdrawals for qualified medical expenses are tax-free.
In 2026, the contribution limit is $4,400 if coverage is just for yourself or $8,750 for a family. By investing in an HSA, you’ll reduce your 2026 tax bill while building a fund to cover future medical expenses.
3. Broad-Market Index Funds or ETFs
For many people, picking individual stocks is a tough task. Instead, consider investing in diversified mutual funds or ETFs that track a major index like the S&P 500. These funds typically have low fees and broad diversification across many sectors.
One example is Vanguard’s S&P 500 ETF (VOO). This fund invests in the 500 largest U.S. companies, providing optimal diversification. Its expense ratio is just 0.03%, and over the past 10 years, its average return has been over 15%.
While fund prices aren’t guaranteed to surge in 2027, this is a great way to start investing in the market and to take advantage of potential returns.
4. Short-Term Treasuries or Certificate of Deposits
If you’re looking to be a little more conservative with your investments, consider adding short-term treasuries or certificates of deposit (CDs). These are ideal if you’re planning a large purchase soon and don’t want to lock your funds up for a long period. They can also help reduce your exposure to potential declines in the stock market.
