text: 10% *safe* investments don't exist! In general the more risk you take the better the performance *might* be.\n\nThat said the best you can do is a mix. \nSuppose you have 1000 dollars. \nPut 800 into CDs. One can get about 4%/year on those. So in five years the 800 dollars will grow to 1000 dollars. This guarantees your capital.\nPut the other 200 dollars into a stock index fund, or better buy an index tracker. After five years this investment will have made *on average*  7%/year. It could be much less, or much more, this is the joker part of your investment. In practice you will have something between 150 and 350 dollars.\n\nSo after five years the 1000 dollar will have grown into something between 1150 and 1350 dollars.   \n\nIf you want more risk, change the 80-20 mix to 60-40 or 50-50.\nYour capital is no longer guaranteed, but your chances to gain more increase.