How to Aim for a 10% Return on Your Money

Want to see your savings grow at about 10% a year? You don’t need a crystal ball – just a few solid ideas and the right mindset. Below we break down the most reliable paths to that target, from dividend stocks to savvy budgeting tricks.

Dividend stocks that pay a real 10% yield

Many investors chase high‑yield dividend stocks because the cash flow is easy to track. Look for companies that not only promise a big payout but also have a stable earnings record. The Best Dividend Stocks for High Passive Income in 2025 article on our site lists a handful of firms that regularly hit 8‑12% yields. When you combine the dividend with modest price appreciation, you’re comfortably in the 10% range.

Before you buy, check the payout ratio – if a company is paying out more than 70% of its earnings, the dividend may not be sustainable. Also, diversify across sectors to avoid heavy exposure to one market swing.

Alternative routes: peer‑to‑peer loans and 0% financing tricks

Peer‑to‑peer lending platforms let you fund personal loans at 10% or higher interest. While there’s risk, spreading a small amount across many loans reduces the impact of any single default. Our guide on 0% Financing Hurt Your Credit Score? explains how zero‑interest offers can actually boost your credit profile, freeing you up to take on higher‑return opportunities later.

Another angle is using 0% financing deals to free up cash that you can then invest in higher‑yield assets. Just be sure you pay off the interest‑free balance before the promotional period ends.

For those who prefer a more hands‑off approach, a well‑chosen ISA (Individual Savings Account) can give you tax‑free growth. While UK ISAs don’t typically hit 10% on their own, pairing an ISA with high‑yield dividend stocks or peer‑to‑peer loans can push the overall portfolio return into that zone.

Finally, keep an eye on the market’s big movers. Our Warren Buffett 70/30 Rule Explained piece shows how a simple split between safe assets and aggressive growth can lift your average return. Even a modest 5% boost from the growth side, combined with a 5% dividend yield, lands you right at the 10% target.

Bottom line: there’s no single magic investment that guarantees 10% every year, but mixing dividend‑rich stocks, peer‑to‑peer loans, smart use of 0% finance offers, and tax‑efficient accounts gives you a realistic shot. Start small, track your results, and adjust the mix as you learn what works for you.