Over the past 18 months, the world has witnessed a financial collapse. The markets are down, chip companies, which are redundant employees in thousands. Hundreds of thousands of people in the United States have seen their homes decline in value until they were worth less than when it was bought, or have lost their homes completely.
None of the signals for the economy bodes well for the possibilities of investment safety and dignity. However, there are still a number of options for low risk investments that can generate a decent return.
Of course, even in good times every investment involves some degree of risk. In this spirit, there are four investment options that are stable and offer guaranteed rates of return and is not available in areas such as investment securities. It also offers a lower risk lower return, but if you want to continue to invest, take time to explore the possibilities below.
• Certificates of deposit. CDs can be purchased at any bank, a fixed interest rate of annual percentage rate, sometimes you can buy for less than $ 1,000. Once you purchase a CD that will receive the interest rate the bank is to provide and receive interest payments for the duration of the CD. At the end of this term, will receive the principal back. There is a penalty for early termination so if you plan to withdraw all support, while the principle remains intact, losing a significant amount of interest accrued.
• Bonds: Bonds are investment in municipal government or businesses. To invest in the establishment and in return you are guaranteed the repayment of principle and interest payments for the duration of the bond. As for CDs, end of term will receive the principle back. As a convenience, bonds can be traded like stocks.
• Money Market Mutual Funds: Money market investment funds are much more stable than investment funds which are traded on the market, because the assets are invested in cash to an increase of 5% per year. Be associated with money market, which makes them much less risk to your portfolio and easier to predict than ordinary mutual funds.
• Savings Accounts: Set up a savings account should be the cornerstone of the portfolio of anyone. Although interest rates are low (usually well below 3%) of your money is much more accessible than it would be one of the long term.
The options are therefore safer to invest their money during the economic peak. The best option is to use these options to increase slowly to capital improvements.

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