Growing Your Earnings as a Freelance Graphic Designer through Investing

As someone who has been freelancing as a graphic designer for the past few years, I have come to realize the importance of frugality, diversification, and passive income. While I have covered ways to make more money like print-on-demand and stock graphic websites, one other way to sustain yourself financially and grow your earnings by investing as a freelance graphic designer, specifically low-risk investments. Let’s take a look at how you can do so safely and with peace of mind.




It’s important to invest as a freelance graphic designer for several reasons. Firstly, you are likely to face periods when projects can be hard to come by, resulting in a loss of income and financial stress. The psychological impact of not having financial stability, especially for a freelance graphic designer couldn’t be understated. You are responsible for your own expenses and retirement planning, while facing uncertainties along the way.

However, if you have invested your earnings when times are good, this additional source of income could help to tide you over financially in case of unexpected expenses and emergencies, allowing you time to seek out new opportunities and clients.


As mentioned earlier, unlike employees who may have access to retirement plans that are sponsored by their employers, as a freelance graphic designer you are responsible for your own retirement planning. Investing in assets like blue-chip stocks and index funds will allow you to build wealth over time and beat inflation.

It might seem safer to keep your money in something like a savings bank account, but usually the interest rates are low. After factoring in inflation, this means you actually have lower purchasing power in the long term. As such, you should think about preserving the value of the money that you have worked so far for through investing — in other words, make your money work for you.

Additionally, the returns on such investments could potentially help fund your financial goals, such as purchasing a home or funding your children’s education. In particular, the compounding effect of returns over time can significantly contribute to the achievement of these objectives.

By embracing a frugal lifestyle, you are able to use your resources wisely and live within your means — which can be exemplified by setting aside a portion of your earnings each month as a freelance graphic designer to invest and grow your wealth. And even though it might be a small amount, the power of compounding interest means you get to make even more money over time.


So far we have explored ways to make passive income through graphic design on platforms like Redbubble and Adobe Stock. Investing in dividend stocks using your earnings as a freelance graphic designer is one more way to diversify your sources of passive income.

As an example, if you have held 100 shares of Microsoft (MSFT) last year, you would have earned $279 in dividends. It might not seem like much, but remember that blue chip stocks like Microsoft are likely to appreciate in value over time, so you stand to profit if you decide to sell your shares in the future.


As a freelance graphic designer, one benefit of investing is the possibility of optimizing your tax situation. For example, contributing to your retirement account might make you eligible for tax deductions, reliefs, and rebates.

If you are able to achieve financial stability through investments, you then have the flexibility to pursue projects that you are passionate in. In broader terms, investing empowers you to make choices based on what is best for you instead of solely on financial necessity.


It’s important for you to carefully consider your financial goals, risk tolerance, and investment strategy as a freelance graphic designer. Since you are likely to experience periods of income instability, I would recommend focusing on capital preservation and stability, which means putting most of your earnings in low-risk investments.

Such investments are less likely to experience significant fluctuations in value compared to riskier assets like growth stocks, while generating income and providing a buffer against market downturns.

One example of low-risk investments is government bonds, which as the name implies are bonds issued by government entities. They pay interest periodically and return the principal at maturity. Another is blue chip stocks, which represent shares in companies with a proven track record of success and stable growth. Investing in precious metals like gold is also considered low-risk and can be a good way to protect against inflation.


If you are familiar with cryptocurrency and have read about my points to consider when accepting crypto payments as a freelance graphic designer, then you should know that by taking a careful approach and understanding the risks involved, you might stand to benefit in the event that the value of cryptocurrency appreciates, potentially increasing your earnings over time.

Similarly, it’s not a bad idea to invest a small portion of your earnings into higher-risks investments. As the saying goes, fortune favors the bold, and there’s always the possibility of those investments becoming highly profitable for you. That said, the likelihood of losses is also high, so my advice would be to invest only money that you can afford to lose in this case.


As a freelance graphic designer you should consider growing your earnings through investing. With the risks already involved in freelancing, it’s recommend to focus on low-risk investments for financial stability and wealth accumulation. Ultimately, investing is part of building a strong financial foundation, which goes a long way towards a more sustainable and successful freelance career for you.

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