After the global economic meltdown due to the COVID-19 pandemic, most investors are getting back to the basics and focusing on low-risk investments with high returns. Investors no longer care about beating the markets. This is because most investors today understand the reality of investing and realize that the key to success doesn’t come from trying to beat the market or picking stocks. It comes from minimizing risk while taking enough risk so that their portfolio can grow.

Do you want to invest in a low-risk investment with high returns? Here are some of the top low-risk investments with high returns

Government savings bonds

Governments issue savings bonds that offer guaranteed returns, which means your money is safe when you invest in them. They also typically have higher interest rates than other similar options like certificates of deposit (CDs) or corporate bonds, and they offer tax benefits. When you buy a savings bond, you agree to hold it for a certain amount of time before cashing it out, typically between 10 and 30 years, depending on your particular bond’s maturity date. It makes them an excellent long-term investment option if you’re looking for a safe place where your money can grow over time without the risk of losing money.

Treasury bonds

Treasury bonds are among the safest investments you can make, but they also offer some of the highest returns when considering how secure they are. A treasury bond is a debt obligation issued by the U.S. government and backed by its full faith and credit. It has a fixed interest rate that lasts for a certain period – 30 years being the most extended timespan. The main attraction of treasury bonds is security and stability — plus a predictable return rate when you buy them at auction.


Certificate of Deposit is one of the safest investments available today. It has very low risk, and it’s common among investors who want to preserve their capital and earn a decent amount of interest at the same time. A certificate of deposit is offered by either a bank or a credit union. The account will be locked in for a set period, thus not allowing you to withdraw your money before maturity without incurring penalties.

Private equity

Private equity investing is the investment in companies, typically by large or wealthy investors. Private equity firms are either angel investments, venture capital, or leveraged buyouts. It offers better liquidity than other alternative assets since it’s a way of owning shares in public companies but investing at a discount. PE has a relatively low risk due to market conditions, and it’s unlikely for a company to go out of business.

Money market accounts

Money market accounts are similar to savings accounts, but they offer higher interest rates. Investment is guaranteed, but your money will fluctuate in value, just like the stock market or other assets that offer growth potential.

You could put your money as low as 2 percent in a money market account, earning a great return when measured against other types of investments. The essential advantage of a money market account is its flexibility and liquidity. You can withdraw your money without incurring penalties or fees like other long-term investments typically do.

Summing Up

The key to preventing investment risk is diversification. By having a mix of stocks and bonds, you’re reducing your risk exposure so that it’s less likely you’ll lose money. There are pros and cons to each type of investment, but the reality is that they’re all a gamble when it comes down to it because no one knows what will happen in the future.

The best way to prepare for this uncertainty is by investing in various stocks and bonds at appropriate levels to avoid putting all your eggs in one basket.