[USER]

If you had $35,000 available today and wanted to grow it with minimal risk, what would be your go-to strategy?

I’m looking for ideas that balance safety with decent returns over time. Would you recommend investing in certain types of bonds, high-yield savings accounts, dividend stocks, or maybe real estate?

Are there any other creative but reliable approaches you’ve tried or heard of?

I’d love to hear about practical, proven strategies, as well as any potential risks to watch out for. Feel free to share your experiences or opinions on how to make this amount grow while keeping risk as low as possible.

Thanks in advance for your insights!

[Ramiro]

Tech stocks. Nvidia, Google, Regetii Computing and Sounhound. 75/25%>CDs.

If you want 4% annual safe returns put it all on CDs staggerly 6 months, one year and 18 months.

Many other types of stock will not grow due to the majority of the consumers are maxed out on their credit cards.

Therefore, less discretionary spending except the needs for work such as computers, gas, food, cell phones and vehicles.

One guy said 40% of credit card owners are delinquent and unable to pay the minimum.

It’s very sad that the federal reserve refuses to lower interest rate for consumer benefits and help the US economy and businesses even more.

All Credit card companies are charging above 28% since usury laws were deregulated.

Most Consumers are slaves to credit card companies.

[Brian]

Lowish risk would probably be treasury bonds and maybe some municipal bonds All high rated bonds no junk stuff

[Scott]

Low risk = slow growth, bonds, hysa, cd’s and money markets. This is 2 year horizon money. Next would be defensive/value ETFs/sticks with good dividend track records.

This would be 5 year time horizon, 10+ year time horizon would be the s&p, tech stocks, nasdaq small caps etc..

it really depends on when you want the money.

[Mark]

Best low risk. Long term t bills and cds or cd ladders. But none of this will keep up w inflation.

So, u probably mean moderate to high risk which would be low cost index funds / etfs

[Kathy]

I would put 5k in a hysa for emergency and put 7 k in a Roth and the rest in a brokerage or max out your work Ira

[Mike]

I would open up a Roth IRA if you don’t have one yet. Put 7k in there, that will have an automatic return because the gains will never be taxed.

Then I would invest the funds in and S&P index fund and set it up to reinvest dividends. I use vanguard, it’s good.

Then I would take 20 bucks and buy the book The Simple Path to Wealth and do as it instructs.

[Scott]

whats the time horizon? low risk is very different for 5 minutes vs 50 years

[Marisa]

Buy a tiny house kit for your backyard and rent it out or just increase your property value

[Ran]

There is no low risk way unless you are going into a high yield savings account or a money market fund.

[Doyle]

Invest it in something and let compounding do its job. Risk is risk.

Unless it’s a HYSA, but that “risk” is high yield becomes mediocre yield or low yield.

[Jason]

assuming this is after you have your emergency fund in place, probably S&P 500 index fund like VTI should be good.

If you want even less risk than that probably a high yield savings account.

[Troy]

Buy some of the up and coming AI stocks and forget about it for 10 years.

Palantir is one I would recommend.
You can also purchase a rental property.

[Robert]

Dump it all into a fund that mimics the S&P 500; and forget about it for the next 30 to 35 to 40 years.

While it’s not low risk (per se; and there will be both up and down years and up-and-down decades) it’s the best way to grow that money long-term and protect you against inflation risk.

[Jordan]

I’ve been picking the brain of chatgpt, using the dollar cost averaging formula along with the principles of the intelligent investor book.

The top 3 etfs to invest in with aN 80% equity and 20% bond split as a Canadian using the TSX.

It gives me VEQT for equities (80%)(balanced worldwide automatically) VGB (15%)for global bond stability against equities, and CGL(5%) (gold) for a hedge against inflation.

This is a simple setup that is easy to manage if you don’t want to do a ton of research.

curious what others think of this portfolio suggestion

[Author]

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