If you think of where to invest 10k in 2022, you’ll be happy to find out that the investment market has become much more decentralized, giving retail investors a broader range of entry and participation opportunities. Conservative options are opening an individual retirement account (IRA) with a beneficial interest rate or funding a HAS. Riskier variants with the best returns on investments include buying individual stocks, ETFs, and cryptocurrency. Each of these options comes with a great risk-benefit ratio for 2022.