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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. With the economy facing unprecedented challenges in due to the coronavirus crisis and the global responses to it, many investors are seeking out stability in their returns, opting for lower-risk investments.
The trade-off, of course, is that in lowering risk exposure, investors are likely to see lower returns over the long run. That may be fine if your goal is to preserve capital and maintain a steady flow of interest income. There are, however, two catches: Low-risk investments earn lower returns than you could find elsewhere with risk; and inflation can erode the purchasing power of money stashed in low-risk investments.
There are a number of accounts available with a 0. Department of the Treasury, which operates TreasuryDirect. Why invest: The Series EE savings bonds pay interest up to 30 years, and they earn a fixed rate of return if they were issued in May or after. Risk: U. Why invest: With a CD, the bank promises to pay you a set rate of interest over a specified term if you leave the CD intact until the term ends.
Some savings accounts pay higher rates of interest than some CDs, but those so-called high-yield accounts may require a large deposit. Money market funds are pools of CDs, short-term bonds and other low-risk investments grouped together to create diversification without much risk, and are typically sold by brokerage firms and mutual fund companies.
Why invest: Unlike a CD, a money market fund is liquid, which means you typically can take out your funds at any time without being penalized. Risk: Money market funds usually are pretty safe, says Ben Wacek, founder and financial planner of Wacek Financial Planning in Minneapolis.
In other words, Starbucks can charge more money while simultaneously benefiting from the cost advantages that come with being such a large company. Starbucks continues to increase its footprint and its revenue year over year, and it's tough to imagine a world where Starbucks isn't the go-to destination for higher-end coffee drinks. Even when the COVID pandemic forced Starbucks to close its inside seating areas, consumers still flocked to Starbucks drive-thru lines to pick up their favorite beverages.
In other words, iPhone customers tend to remain iPhone customers. People who use MacBook laptops tend to be very loyal to the brand as well, and the stay-at-home nature of the COVID pandemic may serve as a catalyst for MacBook sales. It's no secret that Apple products cost significantly more than comparably equipped phones, computers, and tablets from rivals. All this together shows that Apple's got tremendous pricing power.
While no stock is perfect, you can certainly set yourself up with a portfolio of relatively safe stocks if you incorporate a few guidelines into your stock analysis. On the other hand, there are some telltale factors that indicate a stock is a less safe investment:. If you're looking to invest in "safe stocks," the above list will get you started. But before you begin, remember these two caveats.
First, one of the best ways to make your portfolio safer is to diversify. Even the best-run companies experience short-term price swings, and this has been especially apparent during the COVID pandemic. Don't worry about stock prices over days or weeks, but keep your focus on which companies are most likely to do well over the long haul.
And when it comes to safe stocks like these, short-term share price weakness can make for excellent long-term buying opportunities. Essentially, the recipe for safe stock investing is to find stable companies, buy a bunch of them, and hold on for the long haul. The company is expecting to add stores at a slower pace next year while accelerating international growth.
Find out what most households added to their streaming lineups over the summer. The telecom name has been around for ages while other companies have faded away. The dividend isn't too shabby, either. It's still unknown how much Disney's streaming push will cost its cable TV and theatrical film business. After significantly cutting his stake again in Wells Fargo, there is a new pecking order among Buffett's favorite banks.
The Mac maker is offering small developers a reduced commission rate in an effort to fend off antitrust criticisms. These giant U. Two brand names, both reeling from the pandemic. Which one has the better long-term prospects? Investing Best Accounts. Stock Market Basics. Stock Market.
Industries to Invest In. Getting Started. Planning for Retirement. Retired: What Now? Personal Finance. The Ascent. About Us. Who Is the Motley Fool? Fool Podcasts. New Ventures. Search Search:. Matthew Frankel, CFP. Seven safe stocks to consider With the above characteristics in mind, here in no particular order are seven stocks or funds that should deliver strong returns over time and have low volatility: 1. Vanguard Real Estate Index Fund Real estate is an example of an asset that tends to produce excellent long-term growth without too much risk, and real estate investment trusts, or REITs, allow investors to get exposure to commercial properties like office buildings, malls, and apartment buildings in their portfolio.
What to look for in safe stocks While no stock is perfect, you can certainly set yourself up with a portfolio of relatively safe stocks if you incorporate a few guidelines into your stock analysis. If safety is a priority, consider these four benchmarks: Steady, growing revenue: Look for companies that grow their revenue steadily, year after year.
Erratic revenue tends to correlate with erratic stock prices, while consistent revenue is more common among stocks with less volatility. Lack of cyclicality: Cyclicality is a word that describes how economically sensitive a business is. The economy goes through cycles of expansion and recession, and cyclical companies typically perform well in expansions and less well during recessions. For example, the auto industry is cyclical because people buy fewer new vehicles during recessions.
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