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5 Top Low-Risk Investments That Offer High Returns

Modified on September 20, 2020 at 7:19 PM

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Are you trying to figure out how to get the highest returns with the lowest risks? Read this article to learn about low-risk investments with high returns to invest in your financial future.

Reducing your taxable income, growing your money, saving for retirement, and reaching your financial goals are some of the reasons to invest your money. You may be thinking twice about investing because you don’t want to risk losing your savings.

Believe it or not, you can place your money in low-risk investments to avoid losses. While you may consider consulting a financial expert, it’s important to learn as much as you can about your options before investing.

Want to learn about safe investments with high returns? We’ve got you covered.

Here are the top 5 low-risk investments with a high-return that you should consider adding to your portfolio today.

1. Fixed Annuities

If you’re looking for ways to grow your retirement savings, fixed annuities are one of your best options. The biggest advantage of this investment is it grows tax-deferred like your typical IRA. When you buy a fixed annuity, you’ll make a series or lump-sum payment to the issuing company to receive regular disbursements.

Depending on your contract, you may receive the payments at a certain date or immediately. The key to minimizing your risk when investing in a fixed annuity is only purchasing this investment from reputable insurance companies.

2. Certificates of Deposits (CD)

Investors looking to secure their investment should consider certificates of deposit. Financial institutions issue a certificate for your investment or principal amount with a promise to pay you a set interest rate.

The bank will return your investment principal at the end of the term with interest. Keep in mind you won’t be able to withdraw your funds during the term of your CD. The financial institution may keep the paid interest and charge a penalty for early withdrawal.

3. Treasury Investments

Depending on your strategy, you may consider buying investments issued by the US Treasury Department. This agency issues bonds, bills, notes, and TIPS. These investments have a maturity from less than 1 year and up to 30 years.

Keep in mind the value of these low-risk investments fluctuates according to the rise and fall of interest rates. Due to their complexity, it’s recommended to seek expert guidance before investing in Treasury-issued securities.

4. Income Mutual Funds

Income mutual funds allow you to invest in several products at the same time while managing your investment risk. These investments are managed by the mutual fund manager to ensure investors generate income.

These funds will pay dividends periodically while you hold them. Portfolio diversification is one of the top advantages of these low-risk investments.

5. Dividend-Paying Stocks

Investing in the stock market may seem scary due to risks such as market crashes and inflation. Yet you can make low-risk investments in stocks that pay cash dividends. Companies that issue these stocks focus on limiting their risk and tend to be more stable.

You may be comparing stocks vs real estate when developing your investment strategy. It may be tempting to buy something tangible like a home, but it will depend on your expectations. Before buying either type of investment, you should do your homework and choose the investment that fits your goals.

Can You Grow Your Portfolio by Making Low-Risk Investments?

You can grow your portfolio by making low-risk investments. However, successful investing depends on developing a strategy that fits your financial goals. Set aside a budget and write an investment plan.

Consider making small investments at first until you get the hang of it. You should also consult a financial expert for suggestions on the best strategy and investment that fits your financial goals.

If you’re looking for ways to grow your retirement savings, fixed annuities are one of your best options. The biggest advantage of this investment is it grows tax-deferred like your typical IRA. When you buy a fixed annuity, you’ll make a series or lump-sum payment to the issuing company to receive regular disbursements. However, financial reasons might at times force you to miss your payments, but there are ways like title loan to get across such one-off financial difficulties.

Did you find this article interesting? Keep browsing the rest of our site to find more information on low-risk investments and securing your future.

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Posted By The Fashionable Housewife
on June 17, 2020 at 4:58 PM
Filed Under: Finances
Tagged With: business finances, family finances, finances, financial, financial planning, investments, low-risk investments, personal finances

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

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You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
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This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
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Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
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No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
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The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
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Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
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In an instant, my baby was gone and there was nothing I could do to change that. 

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Those who haven't experienced loss tell you that "Don’t worry! Things will get better, just focus on the positive!" but people who actually know this grief and what it actually feels like to lose a baby, won’t tell you that. They know this hard road. They understand that unfortunately you don't just “get over it.” 

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Lord Jesus, please… hold me extra tight tonight. 

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You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
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