Where to invest 30,000 euros with no risk: Is it possible?

If you have saved money, it’s possible that a question starts to form in your mind: how can I grow my savings without taking on excessive risks? And in response, the idea of long-term investing comes to mind, which presents itself as the most sensible path.

In 2025, inflation continues to be a silent concern. The markets are moving cautiously given the situation, and therefore, opportunities are there… if you look for them.

In this article, we give you the keys to identify profitable long-term investments and explain how to get started. For this, we provide concrete examples as well as an approach that will help you make decisions with more confidence.

What does it mean to invest without risk?

Once again, before diving into available alternatives, it's important to remember an important point: every investment carries some level of risk. Even leaving money idle in a checking account carries the risk of losing purchasing power due to inflation.

When we talk about risk-free or low-risk investments, we refer to products where the probability of capital loss is minimal or managed. This means assuming moderate returns but with a much more stable profile.

What types of low-risk investments exist?

Below, we provide a series of examples of investment products that maintain low risk.

• Treasury bills - In a rising interest rate environment, Treasury bills have regained attention. They are short-term government debt issued by the state. If you want to fully understand how they work, check out our article on whether it's safe to invest in Treasury bills.


• Fixed-term deposits - Although their returns have historically been below inflation, in the current context, some institutions offer between 2% and 3% for committing capital between 6 and 24 months. Additionally, deposits are protected by the Deposit Guarantee Fund up to 100,000 euros per holder and entity.
• Low-risk investment funds - If you’re looking for something more dynamic but without taking on high exposure to market volatility, you can consider conservative investment funds, especially money market funds or short-term fixed-income funds. Their goal is to preserve capital with a return slightly higher than deposits or high-interest savings accounts.


• Crowdlending - On platforms like Inversa, you can diversify your 30,000 euros through crowdlending investment opportunities with short terms, risk analysis, and the possibility of participating from low amounts. An example of crowdlending is investing in discounted invoices with terms ranging from 30 to 180 days, where you can obtain net annual returns close to 5%, with total control of each operation.

Of course, there is an option that is of great interest to investors looking for security. This is portfolio diversification, which is presented as a strategy to effectively reduce risk. How to do it? By spreading those 30,000 euros across different products.

One of the products that best allows this diversification is Inversa’s crowdlending, where you can not only invest in invoices from several companies, but it also perfectly complements other investment products.

Why consider Inversa as part of your strategy?

At Inversa, we offer access to short-term alternative financing opportunities with total transparency, control, and diversification. Our platform is designed for savers and investors who want to protect their capital and obtain returns adjusted to risk.

And the best part: you decide in which projects you participate, with what amounts and terms.

Are you thinking about how to make those 30,000 euros work for you without surprises? Explore the active opportunities at Inversa and discover how thousands of investors are already combining security and profitability in an intelligent way.