Savings accounts are the only guaranteed investment accounts you can have. But most savings accounts have returns of less than 1%. So choose a high yield savings account to get started.
Closely related to a savings account, these investments have higher interest rates and are nearly risk-free. They can range from a few months to 10 years.
Similar to a mutual fund, this is a low risk investment that pays in the form of dividends. Of course, the return on investment isn't as high as stocks but it's better than a savings account. Note this is not the same thing as a money market account.
Real Estate Investment Trusts are great low risk investments with good returns. It's like owning real estate without the high upfront costs.
Get together with other investors to invest in properties through real estate crowdfunding. It's slightly higher risk but can offer good returns. It's worth checking out.