Great low risk investments that yield high returns

There are so many people that don't know how to invest or what they need to invest in. The recession taught many people the importance of paying off your debts and controlling your spending and saving your money but do you know how to save your money and where should you put your money if you want it to be there when you retire? If your employer is offering any type of retirement plan, take it! Employers will match contributions and this will go a long way for you as far as your retirement goes. You need to get involved with this because it's literally throwing away free money. You can convert to a Roth IRA if your employer is offering a Simple IRA and the same thing with a 401(k). Just remember the keyword is Roth when it comes to your retirement. Look for a Roth because you pay taxes now and then get all the money when you retire without needing to pay taxes. Since the value of the dollar will be much different in the future and taxes will go up, it makes complete sense to take care of the taxes now while they are going to be much lower.

The stock market is volatile and it can be hard to read for most investors unless you have the experience. There will be times when you think you have found the "next big thing" only to find that the stock doesn't pan out as you'd hoped. You need to look at all the ups and downs and seek out the investments you are truly comfortable with. A few high risk investments will be great as long as they are properly balanced out by other investments. Then you also need to remember the importance of your age. Younger investors can afford to take the risky investments as they have more time to recover it by working another 30 years. Older investors like those that are nearing retirement need low risk investments.

If you want some low risk investments that will give you great results, here are the ones you need to consider:
- Mutual Funds
- Precious Metals
- Bonds
- CDs and Bank savings
- Residential Real estate

Mutual funds are very attractive because they allow you to become diversified. You are able to pick some of your stocks but your mutual fund manager will do most of the work for you. This is why the key to great mutual funds lies with the mutual fund manager you choose.Mutual funds are a great option as you are hoping to reduce your capital loss.

Residential real estate is still a good investment even when the market goes up and down. It just might mean you have to hang onto a property for a few more years while you wait on the market to go up where you can sell your home or investment property. If you do invest, you have to understand that you need to make upgrades to the home to make it attractive to sell. This is how you will be able to make your money back.

Precious metals are a wonderful investment. They can provide you with great opportunities as they are needed all over the world. Look for precious metals as a way to add "insurance" to your investment portfolio as it is something you can always fall back on.
Bonds are great as well because you have a guarantee from the bond issuer you will receive the money along with your given interest amount. Bonds also help to support community programs and things to better your city. You can also invest in distressed debt bonds and help a company that is looking to repair itself from financial stress.