the right way to invest

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1. Pick investments yourself using an online trading platform.

If you're the do-it-yourself type, and you have some investing know-how, you might want to consider picking investments yourself using an online trading platform such as TD Ameritrade or E*TRADE.

There are many more discount brokers out there, so you might want to spend a little time researching them and seeing which discount broker is right for you. You can also use this guide in helping you choose the best online broker.

Tip: If you're going to be picking investments yourself using your $1,000, you might want to pick out some exchange-traded funds (ETFs). ETFs are known for their lows costs and diversification benefits.
2. Lend to those in need and earn some interest.
If you want to invest in the lives of others and earn some interest, there's a new craze that's both exciting and reasonable: peer-to-peer lending.

Peer-to-peer lending is the practice of lending to borrowers through an online service whose goal it is to bring borrowers and lenders together.

Lending Club is one such peer-to-peer lending service I tried out, and I found it to be very easy to use and reliable (see my Lending Club review).

As an investor with Lending Club, you can invest automatically using investment criteria. Alternatively, you can manually invest by browsing available loans and picking the ones you like. It's up to you!

Tip: Like any investment, make sure you choose notes that reflect your tolerance for risk. Some notes are riskier to invest in than others, and thankfully, you can see this information at Lending Club's website.

3. Have a popular robo-advisor manage your money.
If you're not very skilled at investing on your own and you're hesitant to loan money out to particular people online, you might consider hiring a robo-advisor.

Robo-advisors are investment companies who create automated software designed to manage portfolios based on certain criteria. For example, when signing up for such a service, you might take a questionnaire to determine your risk tolerance level or investment goals.

Robo-advisors make investment management available to the masses since they typically have very low (or nonexistent) account minimums.

Additionally, many robo-advisors have slick user interfaces to help you get relevant information about your investment performance, holdings, and more in a snap.

I interviewed Jon Stein, CEO of Betterment, a popular robo-advisor which grew from nothing to a $16+ billion dollar investment company in just under eleven years. Jon believes the markets represent the success of the global economy. Overall, he expects they will improve over an extended period of time. This view is reflected in Betterment's software. It's set-it-and-almost-forget-it investing!
Tips:If you're ready to get a comprehensive, in-depth financial plan in place, you'd probably do better to sit down with a financial planner. If you have your strategy largely in place, try out a robo-advisor. It's worth a look!

4. Invest in your kids' college education.
Every parent wants their kids to be successful in life. One path to success in college.

But, there's a problem. Can you guess what it is? College is expensive and is showing no sign of slowing down.  Forbes contributor, Mike Patton, points out that college tuition has been increasing by a whopping 5.2% for the last 20 years.

If you want your kids to go to college, and you aren't rolling in the dough right now, you should probably think about saving for their college education.

A 529 college savings plan is a great choice, as it