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Low risk investments that can make you money

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Depending on your account choice, you may be able to cash out rather quickly, while others may take longer. A CD is a fixed amount of money you contribute to savings for a fixed amount of time. In exchange, banks will pay interest to use your money elsewhere during that time period. Initially, banks are able to loan out your money to earn a profit off interest rates that you get a percentage from.

Usually, the longer the CD, the higher the interest. Also, the higher interest rate CDs normally require a minimum contribution amount. Keep in mind, most CDs will automatically renew. If you want to use your cash for something else, check in with your bank before your contract is up. This covers all accounts in your name at a specific bank.

Treasury securities are treasury bills, notes, and bonds. When you buy treasury securities you are buying the debt of the government. This debt is usually used to fund government projects. These securities are issued by the United States. Department of Treasury.

In most cases, your earnings may be exempt from state and local taxes since they are government issued. Even though you may not get out of your investment, you can sell it to someone else. When selling, you may have to meet up with your bank, a broker, and a dealer that might take on additional fees. Along with that, most individuals may not be buying individual bonds. Instead, you may likely buy a mutual fund or ETF focused on treasuries, in the case there may be a fee to buy or sell the fund from the brokerage.

The costs of investing in treasury securities may vary. New issue treasuries may have no online transaction or purchase fees. If you choose to invest in assistance of a broker, you may have a broker-assisted fee. These investments are also known to be one of the safest investments. Treasury securities are normally backed by the U. Money market funds are normally short-term investments with short-term interest rates.

Many people choose to invest in money market funds rather than cash for higher interest rates. You may have to pay liquidation fees and wait to get your earnings for a fixed period of time. These funds are rather inexpensive, being set at the net asset value NAV.

Even though they may be inexpensive to get, they might come with different fees. When you start out, you may agree to pay monthly deposits or choose to invest some of your retirement savings. These investments are high-quality, short-term investments that allow you to have more flexibility than long-term investments. Money mutual funds are invested in debt paper which are covered, at most, by SPIC insurance.

Investing in preferred stocks is similar to investing in a regular common stock, or share in a company. But, this kind of stock is usually also accompanied with a promised dividend payment. Preferred stockholders hold the priority of dividend payments over common stockholders, meaning they will get their dividends paid first. What is left is then paid to common stockholders. Preferred stock has the market volatility of the stock market, but also pays regular dividends like a bond.

This makes preferred stock investing a crossover of the traditional characteristics of the stock and bond market. Some preferred stocks also come with a conversion option. This is where a company buys back the preferred stock from you, or converts your stock to common stock.

Each preferred stock share is part of a series that has its own rights. Most stocks vary in price and fees. Most of the time, the highest-earning stocks are the ones that cost more per share. Some stocks may have transaction fees when buying or selling. An annuity is an insurance contract that guarantees regular and recurring income payments to the contract purchaser. There are many types of annuities and they can vary in structure and price. A fixed annuity is the simplest form of an annuity.

With fixed annuities, you pay into the annuity and in return, they give you a fixed stream of income. This income usually comes monthly, over a set period of time that could be as long as you live. For example, Social Security and Pension plans are structured like annuities. Each annuity product is structured differently. Be sure to carefully review the contract and the details with a trained professional before purchasing.

Since there are many types of annuities, there are products that are structured better for some individuals than others. As a rule, savings accounts pay more interest than checking accounts, and money market accounts most of all. However, there is one exception to this rule: Rewards checking accounts , also known as high-yield checking accounts, often pay higher interest than either savings or money market accounts at the same bank or credit union.

However, you do have to meet certain requirements to earn those high interest rates. However, this type of account can be a good choice for your personal savings, as long as you can resist the urge to spend down the balance. Bankrate reports that the majority of high-yield checking accounts are offered at small local banks or credit unions, rather than major national banks.

A certificate of deposit, or CD, is basically a fixed-term loan that you make to your bank. You agree to let the bank keep your money for a specified amount of time, such as six months, one year, or two years. In exchange, the bank agrees to pay you a guaranteed rate of interest when the CD matures — that is, when the loan term is up.

The longer the term of the CD, the more interest it pays. At that point, you can choose to take the cash or put it into a new CD at whatever interest rate is available. They also offer somewhat better interest rates than regular savings.

As of April , the average 1-year CD paid 0. The downside of a CD is that it ties up your money for a fixed period of time. One way around this problem is to choose no-penalty CDs, which let you withdraw your money in full at any time. Liquid CDs with terms ranging from 3 to 18 months, at rates from 0. Another way to work around the problem of CD penalties is to build a CD ladder.

To do this, you split up the total amount of money you want to invest into several equal sums. Then you invest them in multiple CDs with different maturity rates, such as three months, six months, one year, and two years. Each time one of your CDs matures, you can either cash it in or roll over the money into a new CD.

With a CD ladder, you avoid tying up all your money in a long-term investment. You can keep some of your money in long-term CDs, earning the highest available interest rate, and some in short-term CDs, where you know it will be available within a few months. Even if you need to cash in one of your CDs in an emergency, you only pay the penalty on that one, rather than all of them. A CD ladder also helps you take advantage of rising interest rates.

A chart of historical CD interest rates at Bankrate shows that this is the lowest rate CDs have earned in more than 30 years. Now imagine that you decide to split up your nest egg and build a CD ladder instead. As soon your shortest-term CD matures, you can immediately buy a new one at the higher interest rate. If interest rates continue to rise, you can keep rolling over your CDs as they mature, buying new ones at higher and higher interest rates. And if interest rates ever start to fall again, you can always decide to cash in your CD when it matures and invest the money elsewhere.

So if you want to increase the size of your nest egg, you need to look at other types of investments that offer a better return. Treasury securities are basically loans that you make to the U. You can buy them through brokers, some banks, or the online marketplace at TreasuryDirect. However, if you have to sell a Treasury security before it matures, you could lose money on the deal — especially when interest rates are rising.

Money market funds are a type of bond mutual fund that invests in low-risk, short-term securities, such as T-bills, CDs, and municipal bonds. You can buy shares in a money market fund through brokerage houses like Ally Invest or TD Ameritrade , mutual fund companies, and some large banks.

Like any mutual fund, money market funds are liquid — you can buy and sell your shares at any time. Money market funds give you a same-day settlement, meaning that the cash shows up in your account the day you make the sale.

Money market funds are also considered a safe investment because they deal only in stable, short-term securities. For one thing, their earnings are uncertain because interest rates fluctuate. However, the bigger risk is that the principal itself could lose value. It happened once in and again in , leading the government to set up a temporary insurance program and set stricter rules for money market funds.

CNBC reports that in February , the interest rates on money market funds were down to 0. So as a place to park your cash, money market funds provide no real benefit compared to banks. Other types of bond mutual funds offer higher returns in exchange for a bit more risk. You can find recommendations for the top-rated funds in various categories, including bond funds, in U. Three types of bond funds covered by U. News are generally viewed as relatively safe investments:.

Bond funds are fairly liquid investments. You can buy and sell shares at will through a mutual fund company or a brokerage house, and you can usually add to your investments at any time. They also offer the chance for a higher return than you can get with bank accounts or Treasuries. However, the higher return of bond funds also comes with a higher risk. Walter Updegrave, writing for CNNMoney , recommends that you evaluate your risk tolerance before investing any of your emergency savings in any bond fund — even a short-term one.

You can cash out at any time with no penalty. Bonds through Worthy are used for small businesses. So as long as you have enough in the bank to cover your day-to-day needs, it makes sense to focus on paying off high-interest debt before putting more money into low-interest savings. Remember, all the investment choices covered here are meant for your short-term needs — personal savings, emergency funds, a new-car account, and so on.

So keep an eye on your nest egg as it grows, and when it starts to look bigger than it really needs to be, move some money to a longer-term investment. That way you can keep some money safely on ice for the short term and work your way toward long-term financial independence at the same time. All Rights Reserved. Sign in. Forgot your password? Get help.


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However, your principal is no longer guaranteed if you sell a security before its maturity date. Treasury Inflation-Protected Securities, or TIPS, are an interesting type of security that help protect your principal investment from inflation. These investments are backed by the U. Governments issue municipal bonds, often called munis, when they need money at the state or local level.

While not impossible, the chances of most municipalities going bankrupt are low. Plus, governments can raise taxes or sell new bonds to help cover the costs of the old ones, making this one of the best investments you can make. The interest paid on municipal bonds is generally exempt from federal and state income taxes.

So, when you combine the tax savings and higher returns, municipal bonds often provide higher realized rates of return than similar investments that are subject to income taxes. In addition to buying individual bonds, exposure to municipal bonds can also be gained through the purchase of certain mutual funds and ETFs. Online investment platforms like Vanguard can help you get started. They essentially operate as a type of mutual fund and are composed of liquid financial products with short maturities and high credit ratings.

These assets often include short-term debt securities like CDs and U. Treasury Bills. The goal of a money market fund is to provide investors with ongoing income while protecting their principal investment. Like with mutual funds, each investor owns shares. Interest on the investment is then paid out to shareholders as dividends. Remember, money market funds and money market accounts are two completely different investment options.

Unlike money market accounts, money market funds are not FDIC insured. Are you a homeowner looking for a relatively safe way to invest? Paying off your mortgage early could be one of the best investments you can make — especially if you live in an area where housing prices remain relatively stable.

Paying off your house early can do some really important things for you. First, it saves you some significant interest charges. Every dollar you pay beyond your monthly minimum payment should count toward lowering your principal balance. Additionally, knocking your mortgage out early eliminates a huge chunk of debt and a major monthly expense. Things like investing more in the stock market, starting your own business, and learning how to invest in real estate suddenly become easier.

Owning your home free and clear reduces your risk in other ways, too. If you get sick, fired, or experience any other major financial hardship, you just need enough money to keep the lights on and food on the table. At a bare minimum, be sure to meet any company match that is offered. While many people consider this one of the safest investments you can make, keep in mind that none of these ideas come with zero risk.

However, if you plan to stay in your home for a long time, this is one of our favorite ways to invest money. Although spending to save will never make you rich, spending on a credit card can come with some fairly nice perks. Cash back credit cards typically reward your spending with straight cash back. If you use it to spend on the things you normally would anyway like groceries, restaurants, daycare, or utility bills , you could earn a decent amount in cash back rewards.

Rewards cards typically provide points for your spending. Our favorite type of cards are travel rewards cards , but rewards points can usually be redeemed for gift cards, travel, cash, and more. Even better, when you create a new account, both types of cards usually provide a signup bonus.

Here are a couple of our favorite cards:. Learn how to apply Read the full review. Trust us, the interest payments are usually far more expensive than any rewards or cash back you received. Bank bonuses are another way to cash in on high returns with low risk. Banks are always competing for your cash, and some will reward you with free money for opening a new checking or savings account.

After you open your account, you might need to set up direct deposit, use your new debit card for a certain number of transactions, or keep your money there for six months or more. Not all banks have these rules, but always check the costs before signing up for a checking or savings account bonus. Peer-to-peer lending P2P gives you the opportunity to be one. P2P lending is a little like owning your own bank, albeit without taking deposits from the public. In a nutshell, you lend your money to someone else who will hopefully pay you back.

Lending Club and Prosper are two websites that allow you to make personal loans to borrowers. Websites like Groundfloor help you cash in on the lending side for real estate deals. The ongoing income and capital appreciation of your investment also help reduce the adverse effects of inflation.

Dividends typically can be used to buy more stock in the same company with a dividend reinvestment plan, or DRIP. Depending on your investment goals, it might make sense to take the dividend as income, but reinvesting dividends as part of your growth strategy may also work well for you. Upon maturity, annuities typically provide you with income that can last for the rest of your life. Annuities come with either fixed or variable rates. With a fixed annuity, your money accumulates a guaranteed interest rate for a specific period of time.

This means they often come with some relatively hefty commissions, depending on the product. Additional fees could further increase your costs and lower your overall investment return. With the recent market volatility and the disappearance of workplace pensions, annuities can be a great addition to a retirement portfolio.

Of course, that guarantee is based on the health of the company where you bought the annuity. Just like with most insurance policies, you may be stuck if the company goes out of business. Even with that risk, however, many people believe annuities are relatively safe investments that can bring stability to their portfolios.

Owning preferred stock may be another way that you can add additional stability to your portfolio. Preferred stock is different from common stock, and it typically trades far less frequently. Preferred stock still provides ownership in a company, but it typically pays out guaranteed dividends that are usually higher than those paid to common stockholders.

This is essential when the company falls on bad times. If a company suspends its dividends entirely, your preferred stock will be paid dividends in arrears before any is paid to common stockholders. Though generally considered to have less risk than common stock, you may be able to further reduce your risk by including some diversity in your preferred stock portfolio.

Preferred stocks can usually be traded at your favorite online investment brokers. With a core goal of providing stable returns even during tough economic times, stable value funds are one of the best low-risk investments available. Instead, like money market funds, their value remains stable.

Stable value funds are made up of investment contracts that are designed to guard your capital against significant variations in interest rates. Their holdings typically include short and medium-term government and corporate bonds. Since they typically hold bonds with a longer maturity date than money market funds, stable value funds are often able to provide higher interest rates.

Stable value funds are also insured, protecting investors from losing both their principal and interest. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site.

Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

With the economy facing unprecedented challenges in due to the coronavirus crisis and the global responses to it, many investors are seeking out stability in their returns, opting for lower-risk investments. The trade-off, of course, is that in lowering risk exposure, investors are likely to see lower returns over the long run. That may be fine if your goal is to preserve capital and maintain a steady flow of interest income. There are, however, two catches: Low-risk investments earn lower returns than you could find elsewhere with risk; and inflation can erode the purchasing power of money stashed in low-risk investments.

There are a number of accounts available with a 0. Department of the Treasury, which operates TreasuryDirect. Why invest: The Series EE savings bonds pay interest up to 30 years, and they earn a fixed rate of return if they were issued in May or after. Risk: U. Why invest: With a CD, the bank promises to pay you a set rate of interest over a specified term if you leave the CD intact until the term ends.

Some savings accounts pay higher rates of interest than some CDs, but those so-called high-yield accounts may require a large deposit. Money market funds are pools of CDs, short-term bonds and other low-risk investments grouped together to create diversification without much risk, and are typically sold by brokerage firms and mutual fund companies. Why invest: Unlike a CD, a money market fund is liquid, which means you typically can take out your funds at any time without being penalized.

Risk: Money market funds usually are pretty safe, says Ben Wacek, founder and financial planner of Wacek Financial Planning in Minneapolis. The U. Why invest: All of these are marketable securities that can be bought and sold either directly or through mutual funds.

If you sell them sooner than maturity, you could lose some of your principal, since the value will fluctuate as interest rates rise and fall. So buying some of these bonds could actually cost you money. Companies also issue bonds, which can come in relatively low-risk varieties issued by large profitable companies down to very risky ones.

Why invest: To mitigate interest-rate risk, investors can select bonds that mature in the next few years. Longer-term bonds are more sensitive to changes in interest rates. To lower default risk, investors can select high-quality bonds from reputable large companies, or buy funds that invest in these bonds. Risk: Bonds are generally thought to be lower risk than stocks, though neither asset is risk-free.

Dividend stocks are considered safer than high-growth stocks, because they pay cash dividends, helping to limit their volatility but not eliminating it. So dividend stocks will fluctuate with the market but may not fall as far. Preferred stock is more like a lower-grade bond than it is a stock. Still, it may fluctuate substantially if the market falls.