{"id":2583,"date":"2022-10-27T15:17:48","date_gmt":"2022-10-27T15:17:48","guid":{"rendered":"https:\/\/www.wallstreetzen.com\/blog\/?p=2583"},"modified":"2025-08-19T21:22:07","modified_gmt":"2025-08-19T21:22:07","slug":"best-safe-investments-with-high-returns","status":"publish","type":"post","link":"https:\/\/www.wallstreetzen.com\/blog\/best-safe-investments-with-high-returns\/","title":{"rendered":"9 Best Safe Investments with High Returns 2026"},"content":{"rendered":"\n<p>Soft landing &#8230; or recession on the horizon? There&#8217;s a lot of uncertainty in the world, and it can make it hard to know how and where to invest. <\/p>\n\n\n\n<p>That\u2019s why I decided to compile a list of safe investments with high returns. I wanted this list for myself so I would be prepared. Now I\u2019m going to share it with you.<\/p>\n\n\n\n<p>Below, you&#8217;ll find my list of the safest investments for 2026 that may still earn good returns. <\/p>\n\n\n\n<p><em>As a side note \u2014 Investing responsibly means you can preserve your capital to diversify with quality platforms like <a href=\"https:\/\/www.wallstreetzen.com\/go\/masterworks?utm_content=best-safe-investments-with-high-returns\" target=\"_blank\" rel=\"noopener\">Masterworks<\/a><\/em>:<\/p>\n\n\n<div class=\"wp-block-code-snippets-content\"><style type=\"text\/css\">\r\n\t.widget_ad_section-main{\r\n    padding:100px 0;\r\n}\r\n.widget_ad_container{\r\n    max-width:1300px;\r\n    width:100%;\r\n    margin:0 auto;\r\n    padding:0;\r\n}\r\n.widget_ad_title h2{\r\n    margin: 32px 0;\r\n  font-size: 2rem;\r\n  font-weight: 300;\r\n  line-height: 2.5rem;\r\n  margin-bottom: 1.125rem;\r\n  margin-top: 14px;\r\n}\r\n.widget_ad_widz-wall-inner {\r\n    display: flex;\r\n    justify-content: space-between;\r\n  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4px;\r\n}\r\n.widget_ad_btn:hover{\r\n    color: #456BCA;\r\n    background-color: #ffffff;\r\n    border:1px solid #456BCA;\r\n}\r\n.widget_ad_btn svg path{\r\n    transition: all 0.25s ease-in-out;\r\n}\r\n.widget_ad_btn:hover svg path{\r\n    fill:#456BCA;\r\n}\r\n.widget_ad_investing_inarts, .widget_ad_numbers {\r\n    background-color: #FAFBFF;\r\n    color: #181B31;\r\n    margin: 0;\r\n    padding: 0 15px!important;\r\n    width: 100%;\r\n    display: flex;\r\n    border-radius: 4px;\r\n    flex-direction: column;\r\n} \r\n.widget_ad_investing_inarts {\r\n    padding-top:15px!important;\r\n}\r\n.widget_ad_numbers {\r\n    padding-bottom:15px!important;\r\n}\r\n.widget_ad___icon-wrapper {\r\n    background: #EFF2FF;\r\n    width: 40px;\r\n    height: 40px;\r\n    display: flex;\r\n    align-items: center;\r\n    margin-right: 16px;\r\n    border-radius: 50%;\r\n    justify-content: center;\r\n}\r\n.widget_ad_icon.promo {\r\n    color: #456BCA;\r\n    fill: currentColor;\r\n    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  font-size: 18px;\r\n    zoom:0.8;\r\n}\r\n.widget_ad_number_lists li svg {\r\n    flex-shrink: 0;\r\n    margin-top: 4px;\r\n}\r\n\r\n@media screen and (max-width: 992px){\r\n    .widget_ad_container {\r\n        max-width: 720px;\r\n    }\r\n}\r\n\r\n@media screen and (max-width: 768px){\r\n    .widget_ad_container{\r\n        max-width: 540px;\r\n    }\r\n    .widget_ad_widz-wall-inner {\r\n        flex-direction: column;\r\n        justify-content: flex-start;\r\n        align-items: flex-start;\r\n    }\r\n    .widget_ad_number_lists li,.widget_ad_investing_lists>li {\r\n        line-height: 26px;\r\n        font-size: 16px;\r\n    }\r\n    .widget_ad_investing_inarts, .widget_ad_numbers {\r\n        padding: 0 15px!important;\r\n \r\n    }\r\n    .widget_ad_numbers {\r\n        padding-top:0;\r\n\r\n    }\r\n    .widget_ad_investing_lists {\r\n        margin-left: 40px;\r\n    }\r\n    .widget_ad_number_lists {\r\n        margin-left: 10px;\r\n    }\r\n    .widget_ad_title h2 {\r\n        font-size: 1.8rem;\r\n    }\r\n}\r\n@media screen and (max-width: 576px){\r\n    .widget_ad_title h2 {\r\n        font-size: 1.6rem;\r\n    }\r\n    .widget_ad_widz-wall-inner {\r\n        padding: 24px;\r\n    }\r\n    a.widget_ad_btn {\r\n        padding: 15px 15px !important;\r\n    }\r\n    .widget_ad_title h3 {\r\n        font-size: 1.25rem;\r\n    }\r\n}\r\n\r\n\r\n\r\n\r\n<\/style>\r\n\r\n\r\n        <div class=\"widget_ad_container\">\r\n\r\n                <div class=\"widget_ad_widz-wrap\">\r\n                    <div class=\"widget_ad_widz-wall\">\r\n                        <div class=\"widget_ad_widz-wall-inner\">\r\n                            <div class=\"widget_ad_logo\">\r\n                                <a href=\"https:\/\/wallstreetzen.com\/go\/masterworks?utm_content=best-safe-investments-with-high-returns\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/02\/masterworks-io-icon-filled-256.png\" height=\"50\" width=\"50\" alt=\"Masterworks\"> <span>MASTERWORKS<\/span><\/a>\r\n                            <\/div>\r\n                            <div class=\"widget_ad_btn-main\"><a class=\"widget_ad_btn\" href=\"https:\/\/wallstreetzen.com\/go\/masterworks?utm_content=best-safe-investments-with-high-returns\" target=\"_blank\">Start investing in art today<svg width=\"20px\" height=\"20px\" viewBox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"#ffffff\" d=\"M14 15.5V12H1V8h13V4.5l5.25 5.5L14 15.5z\"><\/path><\/svg><\/a><\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <!-- widz_top_end -->\r\n                    \r\n                <div class=\"widget_ad_investing_inarts\">\r\n                    <div class=\"widget_ad_investing-wrapper\">\r\n                        \r\n                        <div class=\"widget_ad_title\">\r\n                            <h3>Why invest in art? <\/h3>\r\n                        <\/div>\r\n                       \r\n                    <\/div>\r\n                    <ul class=\"widget_ad_investing_lists\">\r\n                        <li>The fine art + collectibles market is currently valued at $2.1 trillion (Deloitte) <\/li>\r\n                        <li>Contemporary art has outpaced the S&#038;P 500 by 136% (1995-2022) <\/li>\r\n                    <\/ul>\r\n\r\n                <\/div>\r\n                <!-- Investing in arts end -->\r\n                <div class=\"widget_ad_numbers\">\r\n                    <div class=\"widget_ad_investing-wrapper widget_ad_number-wrapper\">\r\n\r\n                        <div class=\"widget_ad_title\">\r\n                            <h3>Masterworks by the numbers <\/h3>\r\n                        <\/div>\r\n                       \r\n                    <\/div>\r\n                    <ul class=\"widget_ad_number_lists\">\r\n                        <li>\r\n                            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#456BCA\" width=\"24px\" height=\"24px\" viewBox=\"0 0 24 24\" id=\"up-trend\" data-name=\"Line Color\" class=\"icon line-color\"><polyline id=\"primary\" points=\"21 6 14 13 11 10 3 18\" style=\"fill: none; stroke: #456BCA; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2;\"\/><polyline id=\"secondary\" points=\"21 10 21 6 17 6\" style=\"fill: none; stroke: #456BCA; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2;\"\/><\/svg>61K+ savvy investors <\/li>\r\n                        <li><svg version=\"1.0\" id=\"Layer_1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" \r\n                            width=\"24px\" height=\"24px\" viewBox=\"0 0 64 64\" enable-background=\"new 0 0 64 64\" xml:space=\"preserve\">\r\n                       <g>\r\n                           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width=\"24px\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\"  height=\"24px\"\r\n\t viewBox=\"0 0 496 496\" xml:space=\"preserve\">\r\n<g>\r\n\t<g>\r\n\t\t<g>\r\n\t\t\t<path d=\"M324.688,0l32,32L162.112,226.576C153.656,224.92,144.936,224,136,224C61.008,224,0,285.008,0,360s61.008,136,136,136\r\n\t\t\t\ts136-61.008,136-136c0-8.936-0.92-17.656-2.576-26.112L464,139.312l32,32V0H324.688z 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viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                                <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3 18C3 15.3945 4.66081 13.1768 6.98156 12.348C7.61232 12.1227 8.29183 12 9 12C9.70817 12 10.3877 12.1227 11.0184 12.348C11.3611 12.4703 11.6893 12.623 12 12.8027C12.3107 12.623 12.6389 12.4703 12.9816 12.348C13.6123 12.1227 14.2918 12 15 12C15.7082 12 16.3877 12.1227 17.0184 12.348C19.3392 13.1768 21 15.3945 21 18V21H15.75V19.5H19.5V18C19.5 15.5147 17.4853 13.5 15 13.5C14.4029 13.5 13.833 13.6163 13.3116 13.8275C14.3568 14.9073 15 16.3785 15 18V21H3V18ZM9 11.25C8.31104 11.25 7.66548 11.0642 7.11068 10.74C5.9977 10.0896 5.25 8.88211 5.25 7.5C5.25 5.42893 6.92893 3.75 9 3.75C10.2267 3.75 11.3158 4.33901 12 5.24963C12.6842 4.33901 13.7733 3.75 15 3.75C17.0711 3.75 18.75 5.42893 18.75 7.5C18.75 8.88211 18.0023 10.0896 16.8893 10.74C16.3345 11.0642 15.689 11.25 15 11.25C14.311 11.25 13.6655 11.0642 13.1107 10.74C12.6776 10.4869 12.2999 10.1495 12 9.75036C11.7001 10.1496 11.3224 10.4869 10.8893 10.74C10.3345 11.0642 9.68896 11.25 9 11.25ZM13.5 18V19.5H4.5V18C4.5 15.5147 6.51472 13.5 9 13.5C11.4853 13.5 13.5 15.5147 13.5 18ZM11.25 7.5C11.25 8.74264 10.2426 9.75 9 9.75C7.75736 9.75 6.75 8.74264 6.75 7.5C6.75 6.25736 7.75736 5.25 9 5.25C10.2426 5.25 11.25 6.25736 11.25 7.5ZM15 5.25C13.7574 5.25 12.75 6.25736 12.75 7.5C12.75 8.74264 13.7574 9.75 15 9.75C16.2426 9.75 17.25 8.74264 17.25 7.5C17.25 6.25736 16.2426 5.25 15 5.25Z\" fill=\"#456BCA\"\/>\r\n                                <\/svg>$49,000,000+: Total amount of art sold, the net proceeds paid to investors<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n                <\/div>\r\n                \r\n\r\n        <\/div><\/div>\n\n\n<h2 id=\"h.quy5rjj74o4c\">Here are the 9 Best Safe Investments with High Returns 2026:<\/h2>\n\n\n\n<p>By combining several options, you can build portfolios that balance low risk with high returns. In other words, a portfolio of safe investments with high returns.<\/p>\n\n\n\n<h2 id=\"h.371wvnd3lbwm\"><strong>1. Dividend-Paying, Blue-Chip Stocks<\/strong><\/h2>\n\n\n\n<p><strong>True: investing in stocks carries a greater risk than some of the other options on this list. <\/strong>However, dividend-paying, blue-chip stocks are typically among the more stable stocks out there, and offer much higher <em>potential<\/em> for long-term returns than the other items on this list, such as high-yield savings accounts or CDs.  <\/p>\n\n\n\n<p>Here&#8217;s why. <\/p>\n\n\n\n<p>Blue chip stocks are massive, financially-sound companies that have well-established earnings, various products, and proven long-term resilience during downturns and recessions. Their businesses typically grow steadily and have wide business moats, making them exceptionally safe investments with high returns.<\/p>\n\n\n\n<p>Given these companies&#8217; abilities to generate huge amounts of free cash flow, <strong>most blue-chip stocks pay dividends<\/strong>, or a cash distribution a public company provides to its shareholders.<\/p>\n\n\n\n<p>While growth stock investors only benefit from price appreciation, dividend investors benefit from appreciation and a steady stream of cash dividends. <strong>Many dividend investors have portfolios that average a 2-4% dividend yield.<\/strong><\/p>\n\n\n\n<p>Here\u2019s a list of popular blue-chip dividend-paying stocks:<\/p>\n\n\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Apple Inc. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nasdaq\/aapl\" target=\"_blank\" rel=\"noopener\">NASDAQ: AAPL<\/a>)<\/li>\n<li>Microsoft Corp. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nasdaq\/msft\" target=\"_blank\" rel=\"noopener\">NASDAQ: MSFT<\/a>)<\/li>\n<li>McDonald&#8217;s Corp. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/mcd\" target=\"_blank\" rel=\"noopener\">NYSE: MCD<\/a>)<\/li>\n<li>Costco Wholesale Corp. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nasdaq\/cost\" target=\"_blank\" rel=\"noopener\">NASDAQ: COST<\/a>)<\/li>\n<li>Coca-Cola Co. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/ko\" target=\"_blank\" rel=\"noopener\">NYSE: KO<\/a>)<\/li>\n<li>Verizon Communications Inc. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/vz\" target=\"_blank\" rel=\"noopener\">NYSE: VZ<\/a>)<\/li>\n<li>Caterpillar Inc. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/cat\" target=\"_blank\" rel=\"noopener\">NYSE: CAT<\/a>)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/li>\n<li>Chevron Corp. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/cvx\" target=\"_blank\" rel=\"noopener\">NYSE: CVX<\/a>)<\/li>\n<li>Johnson &amp; Johnson (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/jnj\" target=\"_blank\" rel=\"noopener\">NYSE: JNJ<\/a>)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/li>\n<li>Lowe&#8217;s Cos. Inc. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/low\" target=\"_blank\" rel=\"noopener\">NYSE: LOW<\/a>)<\/li>\n<li>PepsiCo Inc. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/pep\" target=\"_blank\" rel=\"noopener\">NYSE: PEP<\/a>)<\/li>\n<li>Procter &amp; Gamble Co. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/pg\" target=\"_blank\" rel=\"noopener\">NYSE: PG<\/a>)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/li>\n<li>Target Corp. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/tgt\" target=\"_blank\" rel=\"noopener\">NYSE: TGT<\/a>)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/li>\n<li>Walmart Inc. (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/wmt\" target=\"_blank\" rel=\"noopener\">NYSE: WMT<\/a>)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n<p>Of course, don&#8217;t just randomly choose a stock just because it pays a dividend. You should always do your DD (due diligence) on a stock before buying. I always use WallStreetZen to scope out potential investments. I can see how the stock scores on a variety of due diligence checks, see what analysts are saying, and more \u2014 right from the same dashboard.<\/p>\n\n\n\n<p>For example, a few months ago I was interested in one of the stocks on the above list: <strong>McDonald&#8217;s (<a href=\"https:\/\/www.wallstreetzen.com\/stocks\/us\/nyse\/mcd\" target=\"_blank\" rel=\"noopener\">NYSE: MCD<\/a>)<\/strong>. The stock was down a lot, but using <a href=\"https:\/\/www.wallstreetzen.com\/go\/wsz\" target=\"_blank\" rel=\"noopener\">WallStreetZen<\/a>, I discovered that the fundamentals seemed solid and analyst outlook remained strong. This helped me build conviction in the trade, and I bought when MCD was trading in the $240s. Within a few months, the stock was trading for over $290. I felt pretty happy with the returns on what is generally considered a &#8220;safer&#8221; stock (but let&#8217;s be clear \u2014 there are no guarantees in the stock market). Plus, I earn dividends on my shares too! <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1877\" height=\"990\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/MCD_2024-09-11_15-26-59.png\" alt=\"\" class=\"wp-image-25556\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/MCD_2024-09-11_15-26-59.png 1877w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/MCD_2024-09-11_15-26-59-768x405.png 768w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/MCD_2024-09-11_15-26-59-1536x810.png 1536w\" sizes=\"(max-width: 1877px) 100vw, 1877px\" \/><\/figure>\n\n\n\n<p>Of course, if you&#8217;d like to invest in dividend stocks (or any stocks), you need a brokerage. If you&#8217;re in the market for a new one, I recommend <a href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">moomoo<\/a>. Despite the funny name, this brokerage has some serious tools to help you on your investing journey. moomoo offers stock, ETF, options, and basic futures trading. The platform is available on both desktop and mobile, and offers a user-friendly dashboard featuring advanced trading features like of charting and access to Level II data.<\/p>\n\n\n\n<p>One other reason to like moomoo? You can get free stocks when you create an account. Sign up for moomoo using any of the links in this article and get up to $1000 in NVDA stock (and a great APY on uninvested cash \u2014 here&#8217;s how it works:<\/p>\n\n\n<div class=\"wp-block-code-snippets-content\">Up to $1000 in NVDA shares with qualified deposit+ limited time 8.1% APY \r\n\r\n 1. 8.1% APY Cash Sweep: Enroll and activate to get 4.1% APY base rate + 4% APY booster for 3 months\r\n\r\nNVDA Promotion \r\n\r\n-Deposit $100 and get $20 NVDA shares\r\n-Deposit $2,000, and receive total $50 NVDA shares\r\n-Deposit $10,000 and receive total $300 NVDA shares\r\n-Deposit $50,000 and receive total $1000 NVDA shares<\/div>\n\n\n<p>That&#8217;s not all.  moomoo also helps you make money from your uninvested cash. The platform is currently offering an incredible 8.1% limited-time APY on idle cash. That\u2019s higher than just about any high-yield savings account out there. &nbsp;Terms and conditions apply \u2014 click the link below to find out more.&nbsp;<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">Get up to $1000 in NVDA stock and 8.1% APY on your uninvested cash<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 id=\"h.oh6k8rt141rv\">2. ETFs &amp; Index Funds<\/h2>\n\n\n\n<p>If you like the idea of stocks but prefer built-in diversity to choosing individual tickers, you might consider investing in a fund \u2014 an exchange-traced fund or index fund. <\/p>\n\n\n\n<p>First, let&#8217;s talk about the key differences between ETFs and index funds.<\/p>\n\n\n\n<p>An ETF (exchange-traded fund) is a basket of a number of different stocks that trade under a single ticker. You can buy or sell ETF shares on the stock exchange.<\/p>\n\n\n\n<p>Index funds invest in a specific list of securities to attempt to match the returns of a benchmark index  (for example, S&amp;P 500-listed stocks). They may be structured as ETFs or like mutual funds. If the latter, then you can only buy once a day, after the markets close at 4pm ET. <\/p>\n\n\n\n<p>So \u2014 an index fund can be an ETF, but not all ETFs are index funds. And not all index funds are ETFs. Got it? <\/p>\n\n\n\n<p>The advantage of ETFs and index funds is that you can invest in a number of different stocks at once within a single security. For instance, if you invest in the Vanguard Total Stock Market ETF (VTI), you gain access to over 3700 stocks. As you can see from the 5-year chart, VTI has performed well over the past few years: <\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/tradingview-pro\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/VTI_2024-09-11_15-20-55.png\" alt=\"\" class=\"wp-image-25555\" width=\"840\" height=\"443\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/VTI_2024-09-11_15-20-55.png 1877w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/VTI_2024-09-11_15-20-55-768x405.png 768w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/VTI_2024-09-11_15-20-55-1536x810.png 1536w\" sizes=\"(max-width: 840px) 100vw, 840px\" \/><\/a><figcaption class=\"wp-element-caption\">VTI 5-year chart, courtesy <a href=\"https:\/\/www.wallstreetzen.com\/go\/tradingview-pro\" target=\"_blank\" rel=\"noopener\">TradingView<\/a><\/figcaption><\/figure>\n\n\n\n<p>Of course, just because funds offer built-in diversity doesn&#8217;t mean you don&#8217;t have to do your due diligence. Always research potential investments before you buy \u2014 after all, it&#8217;s your money on the line. Personally, I&#8217;ve found that moomoo is a great resource for ETFs, because you can easily research the ETF&#8217;s history, news that could affect it, and more \u2014 right from the platform. <\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">Start researching ETFs on moomoo<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h.oh6k8rt141rv\">3. <strong>Real Estate<\/strong><\/h2>\n\n\n\n<p>Real estate is largely considered one of the best safe investments.<\/p>\n\n\n\n<p>There are two key ways to get paid: Rental income and price appreciation. Historically, both rental income and appreciation have at least kept pace with inflation, making it one of the best long-term, safe investments available.<\/p>\n\n\n\n<p>But as a former landlord, I can tell you that buying and renting property can be a hassle. Picture this: You&#8217;re rolling along, collecting rent for a few months \u2014 then suddenly you get a call from your tenants at 11 pm on the day before Thanksgiving letting you know the water heater broke. That&#8217;s what being a landlord is like. If your tenants are good, it&#8217;s largely passive income \u2014 but every now and again, you really have to jump into action. Personally, I found that the stress wasn&#8217;t worth it. <\/p>\n\n\n\n<p>But I do still believe in real estate as an investment. Luckily, people like me (and maybe you?) who want to invest in real estate but don&#8217;t want to be landlords or deal with owning property, there are some great real estate investing platforms out there. <\/p>\n\n\n\n<p>If you&#8217;re an accredited investor (not sure what that is? <a href=\"https:\/\/www.wallstreetzen.com\/blog\/how-to-become-an-accredited-investor\/\" target=\"_blank\" rel=\"noopener\">Click here<\/a>), consider <a href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" target=\"_blank\" rel=\"noopener\">Yieldstreet<\/a>.<\/p>\n\n\n\n<p>Yieldstreet is a crowdfunding platform for real estate investing. It offers an innovative alternative for buying physical real estate assets. Instead of buying and managing properties yourself, you can invest in curated, private-market offerings that have completed a rigorous due diligence process. And you can do this at a fraction of the cost of buying a property outright.<\/p>\n\n\n\n<p>I\u2019ve used this platform myself and can attest to its ease of use and exceptional solution. It\u2019s given me a way to invest in some of the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/fractional-real-estate-investing\/\" target=\"_blank\" rel=\"noopener\">best fractional ownership properties<\/a>.<\/p>\n\n\n\n<p>The majority of opportunities on Yieldstreet are only available to accredited investors. However, the <a href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" target=\"_blank\" rel=\"noopener\">Yieldstreet Alternative Income Fund<\/a>&nbsp;(formerly the <a href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" target=\"_blank\" rel=\"noopener\">Yieldstreet Prism Fund<\/a>), which was launched in 2020,&nbsp;is open to non-accredited investors. It&#8217;s a multi-asset class fund that seeks to generate returns through investments in commercial real estate, art, corporate debt, and more. So you can potentially gain access to both real estate and other alternatives with a single investment. (Minimum: $10K)<\/p>\n\n\n\n<p>Since its inception, <a href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" target=\"_blank\" rel=\"noopener\">Yieldstreet<\/a>&nbsp;clients have had an average IRR of 9.6% as of September 2024:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"763\" height=\"661\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2024\/09\/Screenshot-2024-09-11-at-3.44.41\u202fPM.png\" alt=\"\" class=\"wp-image-25560\"\/><\/figure>\n\n\n\n<p>Yieldstreet gives you access to real estate (and more) and has an impressive track record, making it one of my favorite ways of <a href=\"https:\/\/www.wallstreetzen.com\/blog\/how-to-get-a-10-return-on-investment\/\" target=\"_blank\" rel=\"noopener\">how to get a 10% return on investment<\/a>.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" style=\"color:#ffffff;background-color:#446bca\" target=\"_blank\" rel=\"noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ffffff\" class=\"has-inline-color\">Discover Private Real Estate Investing on Yieldstreet<\/mark><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Note: <\/strong>Yieldstreet also makes our list of <a href=\"https:\/\/www.wallstreetzen.com\/blog\/where-should-i-invest-my-money-for-good-returns\/\" target=\"_blank\" rel=\"noopener\">high return investments<\/a>.<\/p>\n\n\n    <div id=\"callout-box-block_a6f8a094693acd3a6f789485b01207ee\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Not an accredited investor (yet)? <a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a> is a worthy alternative that offers all investors (accredited and non-accredited) access to real estate, private credit, and venture capital investments. Check out our <a href=\"https:\/\/www.wallstreetzen.com\/blog\/fundrise-review\/\" target=\"_blank\" rel=\"noopener\">Fundrise review<\/a> to learn more.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-code-snippets-content\"><div class=\"disclaimer\">\r\n\t<p>Note: We earn a commission for this endorsement of Fundrise. <\/p>\r\n<\/div><\/div>\n\n\n<h2 id=\"h.xo74y8syfa43\"><strong>4. Private Credit Investing <\/strong><\/h2>\n\n\n\n<p>Did you know the private credit market is worth over&nbsp;<strong>$7 trillion<\/strong>? Yes, that&#8217;s with a T. <\/p>\n\n\n\n<p>Not sure what private credit investing is? In a nutshell, if companies can\u2019t tap public markets for funding (and this is often the case with middle-market companies), they often turn to&nbsp;<strong>non-bank lenders<\/strong>. That&#8217;s where you \u2014 the investor \u2014 enter the picture.<\/p>\n\n\n\n<p>As an investor, private credit offers&nbsp;<strong>short-term, high-yield opportunities<\/strong>&nbsp;with&nbsp;<strong>low correlation<\/strong>&nbsp;to public markets. But until recently, these opportunities were limited to ultra-connected or ultra-rich investors.<\/p>\n\n\n\n<p>Private credit investing platform <strong><a href=\"https:\/\/www.wallstreetzen.com\/go\/percent\" target=\"_blank\" rel=\"noopener\">Percent<\/a><\/strong>&nbsp;is changing that. Through its platform,&nbsp;<strong>accredited investors<\/strong>&nbsp;can access private credit investments, typically backed by&nbsp;<strong>assets, loan portfolios, or corporate debt<\/strong>.<\/p>\n\n\n\n<p>Percent has a proven track record. As of&nbsp;<strong>December 31, 2024<\/strong>, Percent\u2019s&nbsp;<strong>annual returns averaged 18.13% weighted APY<\/strong>. With performance like that, it\u2019s easy to see why accredited investors are drawn to this&nbsp;alternative asset class.<\/p>\n\n\n\n<p>You can use Percent to browse individual deals and curate your own portfolio &#8230;Or, for those new to private credit, or looking for diversification, Percent offers the&nbsp;<strong><a href=\"https:\/\/www.wallstreetzen.com\/go\/percent\" target=\"_blank\" rel=\"noopener\">Percent Blended Note<\/a><\/strong>, a private credit fund-like investment. With a&nbsp;<strong>single investment<\/strong>, you gain exposure to a&nbsp;<strong>diverse mix of notes<\/strong>&nbsp;across multiple asset classes and geographies.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/percent\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"2000\" height=\"950\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/percent-blended-notes-1-2000x950.png\" alt=\"\" class=\"wp-image-29266\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/percent-blended-notes-1-2000x950.png 2000w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/percent-blended-notes-1-768x365.png 768w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/percent-blended-notes-1-1536x729.png 1536w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/percent-blended-notes-1.png 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/a><\/figure>\n\n\n\n<p>Right now, Percent is offering $500 off your first investment \u2014 see for yourself why private credit has attracted so many investors.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/percent\" target=\"_blank\" rel=\"noopener\"><strong>Get $500 off your first investment on Percent<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h.oh6k8rt141rv\">5. <strong>High-Yield Cash or Savings Accounts<\/strong><\/h2>\n\n\n    <div id=\"callout-box-block_e61ee4aeac9beef47c0a13cd6786b2d7\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>When I have extra cash, I don&#8217;t let it sit in a checking account collecting 0.01% interest. I park it in my <a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\">Public High Yield Cash Account and earn 4.1% interest<\/a>.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<p>Savings accounts are one of (if not the) safest places to store your cash. Almost all savings accounts are FDIC-insured, meaning up to $250,000 is completely protected in case of bank failure.<\/p>\n\n\n\n<p>With that safety, however, comes dismal interest rates. The average interest rate on savings accounts is currently 0.05% &#8211; for every $10,000 you have invested, you\u2019ll earn a whopping $5 in annual interest.<\/p>\n\n\n\n<p>Enter: High-yield savings accounts.<\/p>\n\n\n\n<p>High-yield savings accounts offer interest rates 20-25x higher than traditional savings accounts while still being government-insured. &nbsp;<\/p>\n\n\n\n<p>While FDIC insurance prevents any risk of capital, inflation can erode your cash\u2019s purchasing power.<\/p>\n\n\n\n<p>Rates have come down somewhat since the 5%+ heyday of 2022-2023, but <a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public&#8217;s High Yield Cash Account<\/a> is still one of the better options out there, currently offering 4.1% APY. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"1874\" height=\"933\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-29-at-11.28.07\u202fAM.png\" alt=\"\" class=\"wp-image-29234\" srcset=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-29-at-11.28.07\u202fAM.png 1874w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-29-at-11.28.07\u202fAM-768x382.png 768w, https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-29-at-11.28.07\u202fAM-1536x765.png 1536w\" sizes=\"(max-width: 1874px) 100vw, 1874px\" \/><\/a><\/figure>\n\n\n\n<p>But rates could keep going down. So while finding the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/best-high-yield-savings-account\/\" target=\"_blank\" rel=\"noopener\">highest APY savings account<\/a> is great for safety (and beating traditional savings accounts by a wide margin), you\u2019ll need to make an investment with higher risk to keep pace with and exceed inflation.<\/p>\n\n\n\n\n\n\n<h2 id=\"h.xo74y8syfa43\"><strong>6. Certificates of Deposit (CDs)<\/strong><\/h2>\n\n\n\n<p>In exchange for committing to not touch your funds for a short period of time, most banks will offer you a higher interest rate. These are known as certificates of deposit. <\/p>\n\n\n\n<p>Certificates of deposit are considered one of the safest investments and are a popular place for investors to stash money they don\u2019t need in the immediate future. You can start a CD at a physical or online bank if you want to put aside some cash and get a higher yield than a typical savings account. <\/p>\n\n\n\n<p>Almost all CDs are FDIC-insured and offer a guaranteed return.<\/p>\n\n\n\n<p>The holding period is the critical component of CDs, and why the interest rate is higher than savings accounts and MMFs (which allow you to withdraw your funds at any time). You can\u2019t touch the cash in a CD within the first few months without penalty. Even after that first few months, you can get penalized if you withdraw funds from a CD early. You may lose some of the accrued interest you earned, and some banks may even take part of your principal. <\/p>\n\n\n\n<p>I&#8217;m a big fan of <a href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\">CIT Bank<\/a> for CDs because of the many options they offer. For one, they offer a no-penalty 11-month CD, so you don&#8217;t have to worry about a big fee if you need to access funds before maturity (though there is a week-long lockup period when you first create the CD). They also offer term CDs for a variety of different time horizons, from 6 months to 5 years. While their rates are currently not as high as their HYSA, they&#8217;re still a lot higher than the average savings account. Plus, CIT Bank has stellar customer service.  <\/p>\n\n\n\n<h2 id=\"h.sdm0uxqdl7x2\">7. Bonds<\/h2>\n\n\n\n<p>Let&#8217;s discuss 2 types:<\/p>\n\n\n\n<h2 id=\"h.sdm0uxqdl7x2\">U.S. Government I-Bonds<\/h2>\n\n\n\n<p>A Series I Savings Bond is a debt security issued by the U.S. Government that adjusts for inflation. <\/p>\n\n\n<div class=\"wp-block-image aligncenter\">\n<figure class=\"\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/10\/i-bonds.png\" alt=\"i bonds\"\/><\/figure><\/div>\n\n\n<p>I-Bonds are currently paying 4.28% interest. And since I-Bonds are backed by the U.S. Government, they are essentially risk-free. The U.S. Government is regarded as the most creditworthy lender in the world (since they can always print more money to pay back what they owe, something I wish I could do too).<\/p>\n\n\n\n<p>You can buy a Series I bond from TreasuryDirect.gov with a minimum of $50.<\/p>\n\n\n\n<p>Before investing, note the required holding periods (minimum 12 months). <\/p>\n\n\n\n<h2 id=\"h.5cr2m6g6irpf\"><strong>Corporate Bonds<\/strong><\/h2>\n\n\n\n<p>Corporate bonds are bonds issued by public or private companies.<\/p>\n\n\n\n<p>Since these borrowers have a higher risk of default than the federal government, they pay a higher yield.<\/p>\n\n\n<div class=\"wp-block-image aligncenter\">\n<figure class=\"\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/10\/corporate.png\" alt=\"corporate\"\/><\/figure><\/div>\n\n\n<p>In other words, corporate bonds are safe investments with high returns.<\/p>\n\n\n\n<p>You have to be more cautious, however, when researching corporate bonds.The safest bonds are rated AAA and considered reliable sources of income. The lower-rated bonds, or \u201cjunk bonds,\u201d may provide higher yields but are higher risk, especially during recessions. <\/p>\n\n\n\n<p>Most corporate bonds pay out semiannual interest payments and are issued with maturities ranging from 1 to 30 years. Most bonds have $1,000 face values, the minimum amount that can be purchased. You can buy these bonds directly from a company, but it&#8217;s easier to do it with a brokerage account.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public<\/a> (the same broker I mentioned for T-bills in the previous entry) has a great high-yield bond account right now. Actually, I&#8217;ve started moving some of the funds from my matured Treasury Bills into my Bond Account, since the bond yields are currently higher (6.89% as of January 2025).<\/p>\n\n\n\n<p>The way it works is pretty simple: <\/p>\n\n\n\n<ol>\n<li>Fund your account \u2014 your deposit will go toward a portfolio of 10 investment-grade and high-yield corporate bonds.<\/li>\n\n\n\n<li>Get paid monthly! Public&#8217;s Bond Account generates a monthly yield; when your income reaches $1,000, it&#8217;s automatically reinvested.<\/li>\n\n\n\n<li>If you hold to the maturity date, you&#8217;ll receive the highest yield; however, you can withdraw early. <\/li>\n<\/ol>\n\n\n\n<p>One caveat? A Bond Account does carry a $3.99 monthly fee on <a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public<\/a> unless you upgrade your account.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Open a Bond Account on Public<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h.buy9e9word2k\">8. <strong>U.S. Government Treasury Bills<\/strong><\/h2>\n\n\n\n<p>U.S. Government Treasury Bills, or T-Bills, are short-term bonds with maturity dates of less than 1 year.<\/p>\n\n\n<div class=\"wp-block-image aligncenter\">\n<figure class=\"\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/10\/us-gov-treasury-bills.png\" alt=\"us gov treasury bills\"\/><\/figure><\/div>\n\n\n<p>Given the U.S. Government\u2019s creditworthiness, T-Bills are typically considered the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/best-high-yield-investments\/\" target=\"_blank\" rel=\"noopener\">highest return investments<\/a> of any \u201crisk-free asset.\u201d<\/p>\n\n\n\n<p>Although shorter maturity dates typically mean a smaller interest payment, they are the safest, lowest-risk, and most secure types of bonds to buy. Currently, the 1-year Treasury Rate is roughly 4%. <\/p>\n\n\n\n<p>You can buy T-bills directly online at TreasuryDirect.gov, but I personally find navigating that dinosaur of a website to be frustrating. <\/p>\n\n\n\n<p>That&#8217;s why I have a monthly recurring Treasury Account buy on <a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public.com<\/a>, where you can invest in T-bills in increments of $100 and they&#8217;ll automatically roll over at maturity until you decide to cash in your investments. <\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Start a Treasury Account on Public<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h.uvhjoq3ygjzp\"><strong>9. Fixed Annuities<\/strong><\/h2>\n\n\n\n<p>An annuity is a contract you can make with an insurance company to exchange a lump-sum payment today for a stream of income.<\/p>\n\n\n\n<p>Annuities are an excellent option for retirees who want guaranteed income.<\/p>\n\n\n\n<p>Most annuities are set up to pay their holders a monthly amount over a fixed period, usually 20 years or until the death of the client. To fund the annuity, you can make a lump sum contribution or pay into it over time.<\/p>\n\n\n\n<p>Since fixed annuities are safe investments that can provide protection and guaranteed income for life, theys are popular among individuals nearing retirement age and those who want to set aside additional funds for retirement, even if they\u2019ve maxed out their 401(k)s or IRAs.<\/p>\n\n\n\n<p>Interest rates vary widely based on the duration of the annuity, total amount contributed, and the structure of the contract. Most fixed annuity rates are around 3.50%-5.25%.<\/p>\n\n\n\n<p>Yet, like anything, there are some drawbacks to consider.<\/p>\n\n\n\n<p>First, like many other low-risk investments, the low yields of fixed annuities may be unable to keep up with inflation &#8211; annuities should not be expected to grow your wealth. &nbsp; <\/p>\n\n\n\n<p>Furthermore, annuities are complex contracts. You should read the fine print (there\u2019s a lot of it) and work with a reputable annuity provider.<\/p>\n\n\n\n<p>Annuities are also illiquid and hard to get out. It\u2019s nearly impossible to withdraw money from an annuity without a hefty penalty.<\/p>\n\n\n\n<h2 id=\"h.w5w2yi7xw3he\"><strong>RECAP: The 9 safest high-yield investments:<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>Dividend-Paying, Blue-Chip Stocks <\/strong>(<a href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">moomoo<\/a>)<\/li>\n\n\n\n<li><strong>ETFs  <\/strong>(<a href=\"https:\/\/www.wallstreetzen.com\/go\/moomoo\" target=\"_blank\" rel=\"noopener\">moomoo<\/a>)<\/li>\n\n\n\n<li><strong>Real Estate<\/strong>&nbsp;(<a href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" target=\"_blank\" rel=\"noopener\">YieldStreet<\/a>)<\/li>\n\n\n\n<li><strong>High-Yield Cash Account <\/strong>(<a href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\">Public<\/a>)<\/li>\n\n\n\n<li><strong>U.S. Government I-Bonds<\/strong><\/li>\n\n\n\n<li><strong>Short-term Certificates of Deposit (CDs)<\/strong> (<a href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\">CIT Bank<\/a>)<\/li>\n\n\n\n<li><strong>U.S. Government Treasury Bills<\/strong> (<a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public<\/a>)<\/li>\n\n\n\n<li><strong>Corporate Bonds<\/strong> (<a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public<\/a>)<\/li>\n\n\n\n<li><strong>Fixed Annuities<\/strong><\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 id=\"h.vkd8c2vb1pfe\"><strong>Risk and Reward<\/strong><\/h2>\n\n\n\n<p>Every investment you make has its own risk\/reward profile.<\/p>\n\n\n\n<p>Generally speaking, the higher the risk, the higher the potential reward (like growth stocks). The lower the risk, the lower the potential reward (like U.S. Treasuries).<\/p>\n\n\n\n<p>Each of the 9 investments on my list has varying amounts of risk and reward, and has different priorities. Some investments are for capital preservation. Others are riskier, but offer higher potential for returns. <\/p>\n\n\n\n<h2 id=\"h.q2n46u8u5ysm\"><strong>Final Word: Safe Investments with High Returns 2026<\/strong><\/h2>\n\n\n\n<p>That is my list of the 9 Best Safe Investments with High Returns in 2026.<\/p>\n\n\n\n<p>At a bare minimum, I would strongly suggest you check out <a href=\"https:\/\/www.wallstreetzen.com\/go\/cit-bank\" target=\"_blank\" rel=\"noopener\">a high-yield savings account from an online-only bank like CIT<\/a>. <\/p>\n\n\n\n<p>From there, you might consider branching out into <a href=\"https:\/\/www.wallstreetzen.com\/blog\/alternative-investment-strategies\/\" target=\"_blank\" rel=\"noopener\">alternative investment strategies<\/a> like real estate through platforms like <a href=\"https:\/\/www.wallstreetzen.com\/go\/yieldstreet\" target=\"_blank\" rel=\"noopener\">YieldStreet<\/a> or <a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a>.<\/p>\n\n\n\n<p>Remember, to diversify across various assets and build a portfolio that mixes higher risk\/higher reward investments with safer alternatives.<\/p>\n\n\n\n<p>We\u2019re all experiencing the pain caused by the stock market and inflation, but we do have options to protect our capital.<\/p>\n\n\n\n<p>Get started today.<\/p>\n\n\n\n\n\n\n<p><strong>Read more: <\/strong><a href=\"https:\/\/www.wallstreetzen.com\/blog\/how-to-invest-50k\/\" target=\"_blank\" rel=\"noopener\">How to Invest 50k<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\t\t<div class=\"wp-faq-schema-wrap\">\n\t\t\t\t\t\t\t<h2>FAQs:<\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3>What are the safest investments?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>The safest investments are considered FDIC-insured high-yield savings accounts and CDs or government-issued bonds like I-Bonds and T bills.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Investments with some risk include corporate bonds, annuities, dividend stocks, and real estate. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The goal of no risk investments is to keep the initial money you invest, otherwise known as your principal. On the other hand, investments with some risk are bought with the expectation of higher returns. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What are the safest high yield investments?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>The safest high yield investments are dividend-paying, blue-chip stocks.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Although dividend-paying stocks are the riskiest investments on our list, they easily offer the highest potential for long-term yields.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>These massive, financially-sound companies consistently perform well over the long term. In a downturn, they also trade at attractive discounts.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>They expose investors to well-established earnings, various products, and proven long-term resilience. Their businesses typically grow steadily and have wide business moats, making them exceptionally safe investments with high returns.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Moreover, their dividends provide risk-averse investors with consistent income streams. You don't have to chase the same risks of non-dividend-paying growth stocks.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you\u2019re willing to buy and hold these stocks for at least 5 years, historically speaking, returns have been excellent and consistent.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Soft landing &#8230; or recession on the horizon? There&#8217;s a lot of uncertainty in the world, and it can make it hard to know how and where to invest. That\u2019s why I decided to compile a list of safe investments with high returns. I wanted this list for myself so I would be prepared. Now [&hellip;]<\/p>\n","protected":false},"author":22,"featured_media":2585,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[34],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>9 Best Safe Investments With High Returns 2026 [Low Risk]<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wallstreetzen.com\/blog\/best-safe-investments-with-high-returns\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"9 Best Safe Investments With High Returns 2026 [Low Risk]\" \/>\n<meta property=\"og:description\" content=\"Soft landing &#8230; or recession on the horizon? There&#8217;s a lot of uncertainty in the world, and it can make it hard to know how and where to invest. That\u2019s why I decided to compile a list of safe investments with high returns. I wanted this list for myself so I would be prepared. Now [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wallstreetzen.com\/blog\/best-safe-investments-with-high-returns\/\" \/>\n<meta property=\"og:site_name\" content=\"WallStreetZen\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-27T15:17:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-19T21:22:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2022\/10\/best-safe-investments-with-high-returns-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jessie Moore\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@wallstreet_zen\" \/>\n<meta name=\"twitter:site\" content=\"@wallstreet_zen\" \/>\n<meta name=\"twitter:label1\" 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