Investing is one of the areas in life that really proves the adage that hindsight is 20/20. If you’re buying the hottest new investment, you’re too late. And if you try to get in on the ground floor, you’re at risk of losing it all. So, what’s an investor to do?
You want to find the investments that others may be overlooking in favor of the “next big thing.” I asked ChatGPT to find the most overlooked investments to make right now. Here’s what it said.
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The prompt given to ChatGPT was pretty straightforward: “What are the most overlooked investments I can make right now?”
Here’s the response: “Great question — some of the best investment opportunities are often the ones that aren’t hyped on social media or mainstream finance shows. Here are 10 overlooked investments worth considering right now (2025), depending on your goals, timeline and risk tolerance.”
Why overlooked: Many investors ignore “boring” government securities when markets are volatile.
Why it’s smart now:
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One-year and two-year Treasury yields have recently hovered around 4.5%-5%, risk-free.
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T-Bills let you lock in returns without stock market swings.
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Ideal for parking cash or creating a “bond ladder” for predictable income.
Good for: Conservative investors, retirees or anyone waiting out market uncertainty.
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Why overlooked: People often stick with low-interest accounts out of convenience.
Why it’s smart now:
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Some online banks and credit unions are offering 4% or higher APY.
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Easy liquidity + FDIC insurance = excellent cash management tool.
Good for: Emergency funds, short-term goals or a safe haven between investments.
Why overlooked: Less flashy than stocks or real estate.
Why it’s smart now:
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Tax-free income at the federal level, and often state/local if you buy in-state.
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Attractive yields relative to Treasuries for high earners.
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Some muni funds are currently trading at discounts.
Good for: High-income investors seeking stable, tax-efficient income.
Why overlooked: U.S. tech stocks have dominated attention for years.
Why it’s smart now:
Good for: Diversification, long-term growth investors willing to ride some volatility.
Why overlooked: Most people only think of residential homes or flipping.
Why it’s smart now:
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Mobile home parks and storage facilities often generate steady, recession-resistant cash flow.
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Farmland can hedge against inflation and is increasingly available through fractional ownership platforms.
Good for: Passive income seekers, inflation hedging, diversification.
Why overlooked: People think of “investments” only in financial terms.
Why it’s smart now:
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AI and automation are reshaping the job market.
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Targeted skills (e.g., cybersecurity, data analytics, AI literacy, project management) can yield massive return on investment (ROI) in future earnings or side businesses.
Good for: Anyone seeking long-term career security or higher earning potential.
Why overlooked: Growth-chasing investors often skip dividend payers.
Why it’s smart now:
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Quality dividend growers (e.g., utilities, industrials, healthcare) offer stable cash flow and upside.
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Dividend increases can outpace inflation over time.
Good for: Income investors, long-term wealth builders.
Why overlooked: The sector has cooled since the 2021 boom.
Why it’s smart now:
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Long-term tailwinds from government incentives, electrification and climate targets.
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Many stocks and ETFs in the space are now at attractive valuations after pullbacks.
Good for: Growth investors with a long time horizon, and environmental, social and governance (ESG)-minded investors.
Why overlooked: Less familiar to retail investors than stocks or bonds.
Why it’s smart now:
Good for: Sophisticated investors seeking high yield with moderate risk.
Why overlooked: Many only think of Bitcoin/Ethereum speculation.
Why it’s smart now:
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Investing in the “picks and shovels” of digital finance — such as payment processors, blockchain infrastructure companies or data security — can offer steadier growth.
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Institutional adoption continues to rise quietly.
Good for: Growth investors comfortable with innovation risk, but wanting more stability than pure crypto.
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Make sure you’ve covered your emergency fund (three to six months).
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Pay down high-interest debt first — its “return” often beats any investment.
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Diversify across multiple asset classes, not just one hot idea.
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Time horizon matters — some of these shine short-term (T-bills), others long-term (clean energy, education).
While you don’t want to base your entire investment strategy on a large language model like ChatGPT, the answer given to this question is comprehensive and logical. The program laid out some good choices for investors who may be looking for places to put their money that are off the beaten path.
ChatGPT also provided a good rationale for why an investor might choose each of these assets and who they are best for. This list would be a good start for an investor who wants to narrow down their choices for investments, but you would certainly want to do some more research on your short list of options.
The last section includes good advice on investing in general, although a human might add one more point: Don’t make your final investment choices based solely on advice from a bot — do your own research as well.
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This article originally appeared on GOBankingRates.com: I Asked ChatGPT About the Most Overlooked Investments I Can Make Right Now — Here’s What It Said