What is the safest investment with the highest return?

Asked by: Zola Smith  |  Last update: June 12, 2025
Score: 5/5 (8 votes)

Here are the best low-risk investments in 2025:
  • High-yield savings accounts.
  • Money market funds.
  • Short-term certificates of deposit.
  • Cash management accounts.
  • Treasurys and TIPS.
  • Corporate bonds.
  • Dividend-paying stocks.
  • Preferred stocks.

Where can I get 10% interest on my money?

Here's my list of the 10 best investments for a 10% ROI.
  • How to Get 10% Return on Investment: 10 Proven Ways.
  • Invest in the Private Credit Market.
  • Paying Down High-Interest Loans.
  • Stock Market Investing via Index Funds.
  • Stock Picking.
  • Junk Bonds.
  • Fine Art + Collectibles.
  • Buy an Existing Business.

What is the safest investment for a large sum of money?

Investors seeking safety will find many instruments with low volatility, but not without some risk. High-yield savings accounts and money market funds offer liquid options for short-term savings. Certificates of deposit and Treasurys provide relatively safe, fixed-income options.

What is the best investment for guaranteed returns?

Certificates of deposit (CDs)

Another popular guaranteed return on investment idea is to invest in certificates of deposits, or CDs. These are an investment contract you have with a bank to pay you a guaranteed rate of return when you deposit money for a specified amount of time.

What investment has the highest return on investment?

Stocks generally offer a larger potential return on your investment than lower-risk investments, such as government bonds, but also may expose your money to higher levels of volatility. Best for: Investors with a well-diversified portfolio who are willing to take on a little more risk.

Protect YOUR Money! 7 Safest Investments Ranked in 2024

44 related questions found

Which is the best investment with high returns?

Key options include:
  • Post Office Time Deposit:Similar to FDs, this investment option provides better returns.
  • Debt funds:These offer higher returns as compared to FDs with risk ranging from low to high.
  • Hybrid funds:These are a combination of equity and debt funds offering growth potential and stability.

Where can I get a 10% return on my money?

HOW TO EARN A 10% ROI: TEN PROVEN WAYS
  • Paying Off Debts Is Similar to Investing. ...
  • Stock Trading on a Short-Term Basis. ...
  • Art and Similar Collectibles Might Help You Diversify Your Portfolio. ...
  • Junk Bonds. ...
  • Master Limited Partnerships (MLPs) ...
  • Investing in Real Estate. ...
  • Long-Term Investments in Stocks. ...
  • Creating Your Own Company.

What investment is 100% safe?

But generally, cash and government bonds—particularly U.S. Treasury securities—are often considered among the safest investment options available.

How much money do I need to invest to make $1000 a month?

Invest in Dividend Stocks

Last but certainly not least, a stock portfolio focused on dividends can generate $1,000 per month or more in perpetual passive income. However, at an example 4% dividend yield, you would need a portfolio worth $300,000, which is a substantial upfront investment.

What bonds have a 10 percent return?

Junk bonds are high-yield corporate bonds issued by companies with lower credit ratings. Because of their higher risk of default, they offer higher interest rates, potentially providing returns over 10%. During economic growth periods, the risk of default decreases, making junk bonds particularly attractive.

What is the safest investment to not lose money?

Here are the best low-risk investments in 2025:
  • Short-term certificates of deposit.
  • Cash management accounts.
  • Treasurys and TIPS.
  • Corporate bonds.
  • Dividend-paying stocks.
  • Preferred stocks.
  • Money market accounts.
  • Fixed annuities.

How to turn 100k into a million?

4 Good Investment Choices for Turning $100k into $1 Million
  1. Real Estate. Real estate remains a solid option for those wondering how to invest 100k to make $1 million in 10 years or less. ...
  2. Stock Market. ...
  3. Index Funds or ETFs. ...
  4. Buying Established Businesses/Websites.

What is the smartest thing to do with a lump sum of money?

The key to making the most of the money is to put it somewhere to earn interest or to invest it – if you're comfortable with the risks associated with this. The main questions you should be thinking about are when you might need the money, how long you can put it away for, and what level of risk you are happy with.”

Which bank gives 7% interest on savings?

For the foreseeable future, you won't find any banks that offer 7% APY on savings accounts. However, you can find some credit unions that pay 7% or more on checking accounts. Before opening an account, take a close look at the terms and conditions to determine whether you can earn the advertised rate.

How to get 20 percent return on investment?

Allocate Your Investments:- Consider investing a significant portion in equities, which historically have provided higher returns over the long term. A commonly cited rule is to invest 100 minus your age as a percentage in equities, and the rest in debt instruments.

How to turn $200,000 into monthly income?

How to Invest $200K for Monthly Income
  1. Dividend stocks. Dividend stocks pay out a portion of profits to their shareholders. ...
  2. Index Funds. ...
  3. Rental Properties. ...
  4. Real Estate Investment Trusts (REITs) ...
  5. Real Estate Crowdfunding. ...
  6. Fixed-Income Securities. ...
  7. Peer-to-Peer Lending. ...
  8. Art and Fine Wine Investments.

How much to get $1 000 in dividends a month?

If each stock generates around $400 in dividend income per year, 30 of each will generate $12,000 a year or $1,000 per month.” “You can reduce the risk associated with individual stocks, but general market risks affect nearly every stock, and so it is also important to diversify among different sectors.”

How much do you need to invest a month to become a millionaire?

So, what do you need to do to have $1 million after five years? If you have never invested before (you have zero balance in your investment account), you need to invest approximately $12,821 at the end of every month for the next five years.

Where is the safest place to put money right now?

If you're looking for the safest place to keep your money, look no further than a savings account. Your money will be insured by the FDIC, and you'll have access to it at any time via an online transfer or a debit/ATM card, depending on the policies of your bank.

What is the riskiest thing to invest in?

The 10 Riskiest Investments
  • Oil and Gas Exploratory Drilling. ...
  • Limited Partnerships. ...
  • Penny Stocks. ...
  • Alternative Investments. ...
  • High-Yield Bonds. ...
  • Leveraged ETFs. ...
  • Emerging and Frontier Markets. ...
  • IPOs. Although many initial public offerings can seem promising, they sometimes fail to deliver what they promise.

How much money should you put in savings every month?

50/30/20 rule. This budgeting guideline for spending and saving advises that you spend no more than 50% of your income on basic needs (rent, food, transportation, etc.), spend 30% on “wants" you could potentially do without (entertainment, convenience services, etc.) and save the remaining 20% of your earnings.

Where can I get 10% interest?

Where can I get 10 percent return on investment?
  • Invest in stocks for the short term. ...
  • Real estate. ...
  • Investing in fine art. ...
  • Starting your own business. ...
  • Investing in wine. ...
  • Peer-to-peer lending. ...
  • Invest in REITs. ...
  • Invest in gold, silver, and other precious metals.

How to get 12 percent return on investment?

13Karat's 12% Investment Plan is a great way to grow your money quickly. Here's how it works: you invest your funds for just three months, and at the end of this period, you earn returns of up to 12% per annum. It's a short-term plan and hence, you do not have to lock away your money for too long.