Safe investments: What types exist

When we consider growing our capital, many think that only high-yield investment options are worth it, and these should be the only options on the table. However, there are other ways to make your money work for you without taking on significant risks. Therefore, we are going to talk about safe investments, options that prioritize capital protection without completely forgoing returns.

In this comprehensive guide, we will explore what types of investments are considered safe, how to choose the one that best fits your profile, and how you can start investing in a more controlled and conscious way.

What do we mean by safe investments?

A safe investment is one that minimizes the probability of losing the invested capital. Although all investments carry some level of risk, safe investments stand out for offering more predictable returns and being backed by solid guarantees: from public entities to rigorous financial analysis.

It is important to emphasize that zero risk does not exist. Even these investments considered safe carry risks, though lower. For example, inflation can reduce the purchasing power of your savings, and fees can impact returns. It is even possible for a country to go bankrupt, causing bond payments to stop.

Given that risk is never zero in safe investments, it’s crucial to understand the characteristics of each product you wish to invest in so you won’t be caught off guard by an unforeseen event.

Why seek safe investments in 2025?

The current economic context has led many savers and investors to reconsider their strategies. Persistent inflation, market volatility, and interest rate hikes by central banks have made capital protection more important than taking risks in search of high returns.

In this scenario, conservative financial products are gaining prominence, especially for profiles that prioritize stability over profitability. Who are these profiles?

• People approaching retirement
• Prudent savers
• Small investors who want to diversify their investment portfolio without taking on too much risk

Of course, these profiles should always be reminded that once you invest, the risk is never zero. Once you invest, you assume some level of risk, even if it’s lower.

Types of safe investments available in the market

After explaining the characteristics of this type of investment, it’s time to delve a little deeper into the types. Below, we analyze some of the investments that best balance safety and returns in 2025.

Treasury Bills

These are short-term public debt instruments issued by the state. They have maturities of 3, 6, 9, or 12 months and their returns are usually modest but stable. Being backed by the state, they are considered one of the safest available products.

Want to know more about this type of investment? We recommend reading our article on whether it is safe to invest in Treasury bills and the risks involved.

State Bonds and Public Debt

Unlike Treasury bills, bonds have a longer time horizon (from 2 to 30 years). They are ideal for those seeking periodic income as well as a low-risk investment, although they can also be affected by interest rate hikes or inflation.

Bank Deposits

Despite their low returns today, deposits remain a valid option if your goal is to preserve capital with a guarantee. In Spain, the Deposit Guarantee Fund (FGD) protects up to 100,000 euros per holder and bank.

Conservative Investment Funds

Fixed-income or mixed funds invest in low-risk assets such as government or corporate bonds. They are an interesting option if you seek automatic diversification, though it’s important to carefully read the investment policy and associated fees.

Crowdlending with Risk Analysis

Crowdlending has emerged as a solid option for those wanting to achieve a higher return than bank products without venturing into speculative territory. On platforms like Inversa, investors participate in financing businesses with promissory notes and other financial assets, always with prior risk analysis, transparent processes, and maximum traceability.

If you want to know more about this option, we recommend reading our article on crowdlending: What it is, how to invest, and everything you need to know.

Investment in Gold or Safe-Haven Assets

Gold has historically acted as a safe haven in times of crisis. Although it doesn’t generate interest or dividends, it protects the value of capital against inflation. There are options to invest in both physical gold and through ETFs or specialized funds.

What factors to consider before choosing a safe investment?

Investing safely does not mean doing it blindly. Before making any decisions, it’s important to consider:

• Liquidity - Will you be able to access your money when you need it?
• Time Horizon - Some safe investments are only attractive if you can hold them until maturity.
• Risk Tolerance - Even conservative products carry some volatility.
• Taxation - Some investments are taxed differently, and it’s important to be clear about this from the start.

Are safe investments suitable for all types of investors?

Not all profiles require the same level of security. As we defined at the beginning, investor profiles vary as do their needs. Therefore, we find some investors who seek higher returns without focusing as much on the safety that safe investments offer.

A good strategy can combine safer products with those offering higher returns, adjusting risk based on your goals.

For example, at Inversa, we offer a different way to invest: collaborative, analytical, and without speculation. Our platform allows investors to participate in financing real businesses through verified promissory notes. Each opportunity undergoes rigorous risk analysis, offering transparency and traceability at all times.

Moreover, you can invest from accessible amounts and diversify your portfolio without the need for extensive financial knowledge. We invite you to learn how our Inversa communities work, a key tool for diversifying your investments efficiently.

Interested in starting to invest safely?

Whether you’re taking your first steps or already have experience, investing with common sense and good backing is key. At Inversa, we help you make data-driven decisions, with access to real, traceable, and transparent opportunities.

If you want to know more, contact us or register to start exploring investment options tailored to you. Start today with Inversa and discover new ways to invest and earn returns.