There's an axiom in finance that essentially states that an investment that has greater risk will require a greater return than an investment with less risk. Having said that, the investment with the lowest risk would be some sort of US Treasury bond. These bonds are essentially promises, made by the US government, to pay interest on money loaned to them. These bonds, or promises to pay interest, are a pillar of the world's financial system. If the US ever defaulted on any of its bonds, it wouldn't be an exaggeration to say the world's financial system could collapse.
Your constraints would direct the choice to some sort of Money Market Fund that invested in US Treasury bonds. Such funds are probably available at your local bank.
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