Best investment plan with guaranteed returns

To be perfectly transparent, no investment is 100% safe from all risk. Because of fluctuating markets and a sometimes unpredictable economy, it’s hard to say which single investment is the safest. However, there are some investment categories that are much safer than others. Low-risk investments carry a reasonable expectation that you may break even or incur a small loss. On the flip side, higher-risk investments can offer much better returns. Finding low risk, high yield investments is a tall order. That’s why we’ve come up with a list of 20 safe investments with high returns. That said, no matter where you decide to invest your money, make sure your portfolio is diversified in order to minimize your overall risk. A few safe investment options include certificates of deposit (CDs), money market accounts, municipal bonds and Treasury Inflation-Protected Securities (TIPS). That’s because investments like CDs and bank accounts are backed by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. If the bank isn’t able to pay you back, you’ll get your money back from the FDIC. I’ll break down each of these safe investment options in the sections below. There are many investments where you can get good returns, including dividend-paying stocks, real estate and businesses. While these investments can produce high returns, some are much safer than others. Deciding where and how to invest money to get good returns in 2023 should be based on your short-term and long-t...

Whether you’re new to markets or a seasoned pro, low-risk investments are a great option for conservative investors who want to protect their money from potential losses while still benefiting from modest growth. It’s important to understand that while investing in low-risk assets can preserve your capital, it also limits your returns. Benefits of low-risk investing include additional diversification, and it’s especially helpful for people who are saving money for near-term financial goals like a home down payment. Low Risk Investments 1. U.S. Treasury Bills, Notes and Bonds • Risk level: Very low • Potential returns: Low to moderate, depending on maturity There are a wide variety of maturities available. Treasury notes come in maturities of two and ten years. Treasury bonds have long maturities of 20 to 30 years, which means they carry slightly more risk than shorter-duration Treasury securities. Both bonds and notes make interest payments every six months. The market for U.S. Treasurys is the largest, most liquid market in the world, making them easy to sell if you need access to your cash before the maturity date. 2. Series I Savings Bonds • Risk level: Very low • Potential returns: Depends on the rate of inflation They offer returns based on two interest rates: A fixed rate that remains the same for the 30-year term of the bond, plus a variable interest rate that is updated every six months to match the prevailing rate of inflation. In addition, I bonds benefit from se...

Dayana is a former NerdWallet authority on investing and retirement. She has written for The Associated Press, The Motley Fool, Woman’s Day, Real Simple, Newsweek, USA Today and more. She has written and contributed to several personal finance books and has been interviewed on the "Today" Show, "Good Morning America," NPR, CNN and other outlets. Alieza Durana joined NerdWallet as an investing basics writer in 2022. She has over a decade of journalism experience covering housing, labor, gender and public policy issues for the Eviction Lab, The Fuller Project for International Reporting, New America and Slate. Her work has appeared in USA Today, The Washington Post, The Atlantic and Harvard Business Review. She is based in St. George, Utah. Michael Randall, CFP®, EA is a senior wealth advisor at Myers Financial Group, a fee-only fiduciary wealth management firm based in San Diego, California. Michael is passionate about investment advice, wealth management, and tax planning. Prior to his time at Myers Financial Group, Michael worked as a financial advisor at a $4B wealth management firm with offices along the West Coast. Michael earned an undergraduate degree in economics at the University of California, Berkeley. He volunteers as a University of California, Berkeley alumni ambassador. Michael is a certified financial planner and an IRS enrolled agent. Nerdy takeaways • Investing is a way to grow your money based on your risk tolerance and time horizon. • Mutual funds and ex...