Instant access savings: an investment without risk and with an attractive return

Choosing a good investment with or without risk

Investments that are not without risk

It is well known that an exceptionally high return is barely possible with a risk-free investment. Shares promise high gains when prices rise - but if a company reports poor results, its share price can fall so sharply that its shares lose considerable value. This shows that shares are not the ideal investment for savers with no appetite for risk. The danger of loss is lower with funds. By investing across different areas, not only the capital but also the risk is spread. But this investment is not entirely without risk either. Certificates are also among the investments offering the chance of a high return. The many types of certificate differ greatly from one another, which makes the choice very wide. This form of investment ranges from term-bound guarantee papers with practically no risk and a low return, to highly speculative knock-out certificates. Certificates are therefore an investment for those with plenty of experience and financial expertise.

An investment without risk is a good choice

What people want from an investment is usually clear: a high return with the lowest possible risk. But not all investments meet those demands. One investment that combines many advantages is instant access savings. On the one hand there is no danger of loss, and on the other it offers a high return. The same applies to fixed-term deposits: they are likewise an investment without risk and with an attractive return, but differ from instant access savings in having a fixed term. Although the passbook savings account is an investment without risk and is still used by many people, it is hardly suitable for building wealth, since the rates are very low, the saver can withdraw a maximum of 2,000 euros a month, and a three-month notice period must be observed when closing it.

A profitable investment can be free of risk

Before deciding on an investment it is important to set your own priorities. Do you want an investment with or without risk, or with low risk? Might you need to get at your money at short notice? Costs and fees can also play a part, since they have a negative effect on the overall return. Anyone who wants to invest entirely without risk and wants a flexible investment would be well advised to consider instant access savings, because they meet not only those demands but also offer an attractive return. This form of investment builds wealth effectively and without risk.