safe investments

When investing, it is vital that you diversify your portfolio so that you have money in various places. This is important so that you do not lose it all if one part of the investment strategy goes wrong. One of the most important parts of this diversification is putting some money into risk free investments with guaranteed returns. Investments with guaranteed income simply give you the benefit of knowing that there will be money made on the investment, no matter what is going on with the overall market. While you will see smaller returns on these types of investments with guaranteed returns, you will never have to worry about losing the money. To this end, here are some of the most common choices that you can rest easy with.

  1. Basic Savings: Although the return rate is not very big, investing your money into a regular savings account will guarantee that you make some money. This is one of the many investments with compound interest that you can put to use for you. While the interest rate that your account enjoys may fluctuate over time, you will never lose the amount that you invest and you will always gain some level of interest on the balance. These accounts are totally safe, but they do not provide anything close to the level of growth that some more risky choices provide.
  2. CDs: Certificates of deposit offer guaranteed income after a certain amount of time. When you purchase these types of investments with guaranteed returns, you will get information on terms and APRs that will apply for the duration of the deposit. While you will not have access to your money while it is tied up in these certificates, they do come in short term options such as two years to ten years. In the end, you are guaranteed the return on the original investment.
  3. Savings Bonds: Government sponsored certificates can be purchased for a certain amount, and when they mature, they can be worth twice the purchase price or more depending on the bond that you choose to purchase. Again, you will have no access to the money that you originally invest in these bonds while they are maturing, but you are guaranteed the return on the amount that you invested in the first place. You can, however, turn them in before they mature for a lesser amount should you need to.
  4. Real Estate: While the market is volatile, housing is something that will get you a guaranteed return if you are careful. Owning homes and renting them out is a great way to build residual income, and at some point you will see the mortgage paid while you are still collecting rent. Housing can be tricky, however, as there are things that you will have to take care of and repair when you are an owner. Still, housing and real estate offer safe investments because everyone, in the end, needs a place to live.

Everyone who invests their money wants to know that they will get a return on what they invest. While other forms of investing provide higher returns, making sure that some of these investments with guaranteed returns are in your portfolio can make the overall process just a little bit less stressful. Keep these options in mind when you are building your financial plan and when you are ready to put your money to work for you.


Post image for Animal Lover? Find the Best Investments for Pets

Pets and animals are an important part of our lives, so it is natural that we would try to fit them into various aspects of our lives. Investing is one such aspect, and to many people’s surprise, there are some investments that deal with animals and pets. Finding the best investments for pets is difficult, however, because animals are not always the most common way to invest money. If you are set on investing money in this way, however, there are some fairly easy ways to participate. Here are a few of the most common ways to put your money into animals in some form or another.

  1. Horses: Investing your cash into horses is one of the oldest ways to invest money, and people all over the world take part in some kind of horse related investing. Whether you choose to purchase horses for breeding or competition, or you simply invest in a racing farm or other horse related business, there is definitely money to be made in this sector of the animal world.
  2. Cattle: Another one of the oldest ways to invest money, cattle is a great way to grow your wealth. It is a business opportunity that will take your investment and make it into more. Done right, you can easily run a cattle related business and make residual income each month. Make sure that you do plenty of research, however, as they can easily die or be condemned if there are issues.
  3. Alpacas: Investing in alpacas is a fairly new addition to the list of ways to make money for and with animals. These animals are simple to maintain and can often double in value with a little bit of breeding and work. Those who are involved in this aspect of investing often say that it is one of the best investments for pets that they have made.
  4. Animal Related Stocks: Another great way to put your money to work for you when you are interested in animals is to invest in companies who are related to animals in some way. There are plenty to choose from, especially if you consider pet food and product companies as well. As with all stock options, make sure to look at the big picture before you choose which stocks to invest in.
  5. Land: Everyone knows that investing in land and real estate is a great way to make a return on your money, but when you are thinking about animals, investments in land are a perfect way to make some residual income while dealing with pets. Be it a large plot of land for cattle and horses, or smaller, pet friendly homes, land is a lucrative investment for anyone.

Pet related investments might be a bit more difficult to find than investments that are considered mainstream, but if you love animals, then this might be the right way to put your money to work for you. Make sure, no matter what you do, that you research your options and get the opinions of professionals before making any investments. Keep your money safe and you will see just how easy and rewarding investing can be.


Who doesn’t love a promise? From 30-day money back to promised customer satisfaction, as a culture, we have become almost too used to such things and many individuals spill over the same concept to financial investments and ask for a guaranteed return investment. While it is theoretically possible to have these, a certain amount of risk and volatility cannot be ignored. Nevertheless, the following investment products could be truly classified as a guaranteed return investment:

Liquid investments

Certificates of deposit, money market accounts, and other interest-bearing instruments could be classified as truly a guaranteed return investment, although these returns are lower than their other investment counterparts.


Both savings bonds (issued by the US Treasury) and corporate bonds offer a fixed rate of return in the form of interest rates. There is some amount of volatility associated with corporate bonds, but overall bonds do position themselves as such choices.

Long term retirement investments — guaranteed return investment

Additionally, long term retirement choices, such as annuities, pension funds, 401 (k) plans, IRAs, and other similar vehicles also position them as guaranteed return investments, although you must read your contract’s fine print to determine if these are truly what you are looking for.

Mutual funds

Mutual funds are professionally managed and while some funds, especially index funds, do promise some of a return, there are many fluctuations that go into play. The same holds true for REITs (Real Estate Investment Trusts) and other form of index funds as well.

Index funds

An index mutual fund is an excellent example of index funds. The mutual fund could promise to replicate a major stock market index, such as the S&P 500 so your return would essentially be at par with overall market performance and a fixed some would be deposited into your account every month. If the market does not perform optimally, you will be unable to realize any gains and if the market does then you will reap monthly income. The reverse holds true as well and you could make more passive income if the market were to spike. The disadvantage of this strategy, however, is that you will always be closely tied to the market’s performance and it will be rarely possible to outperform markets so while these funds returns tied to a certain index, that index itself may not promise a certain level of return or performance. It is always best to have investment tracking software that will help you understand just what your money is doing.

Disclaimer: This article is not intended as investment advice. You must check with a qualified professional before making any investment decision.

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Safety and risk are key buzzwords when it comes to investing. It is an investor’s dream to have access to investment vehicles that are considered safe investments or low risk investments that, as a bonus, offer higher rates or return as well. Who wouldn’t want to investment in such a proposition? Unfortunately, the reality isn’t close in following this idealist scenario and the truth is that one either lands up securing safe investments or low risk investments that compromises returns or vice versa.

For the purpose of education, we are presenting some safe investments and low risk investments that have traditionally pleased investors as well. Here are our picks of [relatively] safe investments:

Savings accounts. Savings accounts offered by banks or credit unions are often considered low risk investments. Not only do they provide for a fixed interest rate as earning, they are also backed by the security of FDIC up to a certain amount. While savings accounts are safe investments, the downside is that they do not provide very high interest rates and it is appreciation and the principal’s growth is relatively slow.

Certificates of Deposit. Certificates of Deposit (or CDs as they are commonly known) offer a relatively higher interest rates in comparison to a traditional bank savings account, but on the downside require you to lock in your money for a relatively longer period of time.

Government savings bonds. Uncle Sam is one of the largest providers of low risk investments in the world. The US Treasury (or savings) Bonds are considered a very safe investment by many market watchers.

Annuities. Fixed annuities are also considered safe investments, primarily because they provide a fixed income stream after a pre-determined period of time.

Money Market Accounts. Money market accounts are also considered low risk investments. Although not as safe as a CD or savings account, they offer a slightly higher interest rate as compared to a savings account.

It need not be reiterated that while these are relative low risk or safe investments, there is no 100% guarantee that they will deliver as promised.

Disclaimer: This article is not intended as investment advice. You must check with a qualified professional before making any investment decision.