Jasmine
VIP Contributor
If you are looking for low risk investment, here are some options you can try.
- Treasury bonds: US government-issued bonds with low default risk and steady, predictable returns. Your governments might also be issuing bonds, check if they are available for investment.
- CDs (Certificates of Deposit): Low-risk investment with guaranteed returns, but lower than other options.
- Savings accounts: Low-risk investment with low returns, but accessible and insured by FDIC.
- Money market funds: Low-risk investment in short-term debt securities, with moderate returns.
- Municipal bonds: Bonds issued by state and local governments, offering tax-free income and low default risk.
- Corporate bonds: Medium-risk investment with returns higher than Treasuries, but with the risk of default. Dividend-paying stocks: Low- to medium-risk investment with the potential for capital appreciation and steady income.
- Mutual Funds: A type of investment fund that pools money from multiple investors to purchase securities. Run by professional fund managers who make investment decisions. Offer diversification and professional management. Often come with an expense ratio to cover management and administrative fees
- Exchange-Traded Funds (ETFs): Similar to mutual funds, offer a basket of investments in one fund. Traded on stock exchanges, like individual stocks. Often have lower expense ratios due to passive management. Offer instant diversification and can be bought and sold throughout the day like individual stocks.
