Investments That Are Safe In 2022

Volatile markets can shake your confidence in risky assets like stocks commonly used as an investments. For this reason, many investors move their money to safe-haven assets when volatility hits. A more stable, lower-yielding haven that protects your money — and can even provide modest growth in tough times.

If you’re looking for a safe haven in a troubled market, these eight safe-haven assets are less risky than stocks — not to mention providing security for your investments.

High Yield Savings Account

A high-yield savings account is pretty much the safest type of account for investments. These FDIC-insured bank accounts are highly liquid and immune to market volatility. Remember, if inflation is higher than your annual rate of return (APY), your money may lose purchasing power.

Interest rates on deposit accounts are generally low – and will remain so for the foreseeable future. However, the best savings accounts can generate modest returns, even if they don’t always keep up with inflation.

Certificate of Deposit

If you don’t need instant access to cash, but want to earn more than a savings account, a certificate of dIf you don’t need instant access to cash as an investment. But looking for more than just a savings account, a certificate of deposit (CD) is a good choice for a safe investment in 2022. Also, CDs have the same FDIC insurance as other types of deposit accounts

Like others savings accounts. CDs will see lower interest rates in the years to come. While long-term CDs may have higher interest rates, keep in mind that they lock up your funds, reduce your liquidity, and often penalize you if you withdraw your money early (usually at several months’ interest). Although penalty-free CDs are available, the yield is usually lower.


Gold is considered by many investors to be the safest investment. Keep in mind that short-term price movements can be similar to those of stocks and other risky assets. Research shows that gold can hold its value for a long time.

According to David Stein, a former fund manager and author of the investment textbook Money for the Rest of Us, there are a few things to consider when looking at gold as a safe-haven investment, depending on your needs.

“It can be a safe haven because it protects against inflation in the long term, but it doesn’t protect you every year,” he said. “It’s a monetary asset, though, so if you’re interested, it can help you get out of dollar-denominated assets.”

US Treasuries

U.S. Treasuries are widely considered the safest investment in the world. Since the U.S. government has never defaulted on its debt, investors view U.S. Treasuries as a highly safe investment vehicle.

“Treasuries have become less attractive recently because of low yields,” Matthews said. “But if you go for inflation-linked government bond TIPS, you get some inflation protection.”

You can buy government bonds in the secondary market directly from the U.S. Treasury or through an online brokerage platform. Matthews cautions against the secondary market, as dealers often charge extra, while you can buy U.S. Treasuries for free on

You can also invest in mutual funds and exchange-traded funds (ETFs) that hold only U.S. Treasuries. This frees you from the complexities of buying individual bonds and the hassle of reselling them in the secondary market when you need cash before the bonds mature.

Savings Bonds

If you want to avoid inflation and earn interest rates at the same time, check out Series I savings bonds, government bonds that can’t yield less than zero. They have an advantage over TIPS, which can even post negative returns, Stein said.

For I Bonds, “the compounded rate for the next six months is about 1.6%, which is better than a lot of the high-yield savings accounts you see,” Stein said. “Unfortunately, you can only invest $10,000 per year per Social Security number, although you can work around this by instructing your tax return to buy I-Bonds in addition to purchasing them individually.”

An important caveat, however: I-bonds earn interest for up to 30 years. You have to hold them for at least a year to liquidate them with the government, and if you cash them out before holding them for at least five years, you lose three months of interest, similar to many CDs.

Corporate Bonds

If you want higher yields, consider corporate bonds. They generally offer more attractive interest rates, but also carry higher risk, as few companies have Uncle Sam’s repayment history.

To make sure you are making a safe investment, it is important to check bond ratings. Matthews recommends looking at investment-grade corporate bonds, which usually means AAA, AA, A, and BBB ratings. Anything else may have higher returns, but also higher risks.

Bonds can be purchased through online brokers, but Matthews warned that many bond trades charge higher fees than stock trades.

To avoid fees and reduce the risk of corporate defaults, look for bond mutual funds and bond ETFs that invest in hundreds or thousands of corporate bonds. Most index-based ETFs and mutual funds are now available for free from most brokers, but it’s important to check and understand mutual fund loading fees.


Depending on local conditions, real estate can be considered a safe investment. Additionally, real estate can provide considerable income – again depending on local market conditions.

“Whether it’s a commercial property or a rental property, you can probably have a steady income and stay away from the ups and downs of the stock market,” Matthews said.

Long-term property appreciation remains relatively low, with a 25-year average of around 3.8%. Real estate also comes with various additional costs that other safe investments lack, such as maintenance fees and property taxes, and can require a significant up-front investment.

Some might suggest investing in real estate investment trusts (REITs) for more liquid, lower cost real estate. But REITs are risky investments and cannot really be recommended as a safe haven for your money in a volatile market.

Preferred Stock

Preferred stocks are hybrid securities that combine the characteristics of stocks and bonds. They offer the income potential of bonds, guaranteed dividend payments, and the owner’s equity and appreciation potential of common stock.

However, the potential appreciation of preferred stock goes both ways. Over time, the market value may increase more than the bond – and if the market falls, there is a greater chance that the value will fall. So why are they safe investments? Because preferred stock dividends are guaranteed in almost all cases, that means you’ll get income no matter what the stock does.

“These are probably not safe havens in terms of market risk, as capital appreciation is an issue in a down market,” Stein said. “However, with the higher dividend, you might see some income protection.”


There is no such thing as a completely risk-free investment. Even the safe investments listed above have risks such as: B. Purchasing power is lost over time as inflation rises. It is critical that you consider your individual needs and construct a portfolio that provides sufficient stability, while also allowing you to benefit from long-term growth.

122 comments on “Investments That Are Safe In 2022”

  1. Black Car Service for Weddings Chicago Reply

    Elevate your journey with our Black Luxury Car Service in Chicago. Offering executive sedans, black SUVs, and professional chauffeurs, we cater to your every transportation need. Experience luxury and convenience like never before with our premium black car service.

  2. Manhattan Limo Rental Reply

    For luxury and reliability, choose our limousine service in Manhattan. We provide Manhattan limo rentals, corporate and wedding limo services, and chauffeur-driven airport transfers. Experience the best in Manhattan luxury transportation.

  3. car service from orange county to lax Reply

    Elevate your travel experience with our specialized transportation from LAX to Orange County. Rely on our SNA airport services for a reliable and stress-free journey connecting Los Angeles and the vibrant Orange County.

  4. driver for day Cape Town Reply

    Explore Cape Town with a personal tour guide and private driver, offering bespoke tours and chauffeur services. Perfect for discovering the city with a private driver in Cape Town, South Africa.

  5. stretch limo dubai Reply

    Little Stars Travel offers high-quality limo services in Dubai. They have a fleet of top-notch limousines and skilled chauffeurs, providing luxurious and stylish transportation for various occasions. Whether it’s for business, special events, or leisure, their services add a touch of sophistication to your travel experience in Dubai.

  6. limo hire From Dubai to Abu Dhabi Reply

    If you’re planning a trip from Dubai to Abu Dhabi, transportation is an important factor to consider. While there are many options available, limo UAE is a great choice for many reasons. Not only does it offer a luxurious and comfortable experience, but it also provides numerous benefits that other forms of transportation can’t match.

  7. webpage Reply

    Hi there, all is going fine here and ofcourse every one is sharing data, that’s in fact
    good, keep up writing.

    my web blog – webpage

  8. briansclub Reply

    “Join BriansClub and unlock access to premium deals and benefits you won’t find anywhere else. Start saving now! 💳💰”

  9. brainsclub Reply

    “BriansClub is the ultimate destination for carders! The site’s regularly updated bins and dumps are top-notch and always reliable.”

  10. Homepage Reply

    What’s Going down i am new to this, I stumbled upon this I’ve found It positively helpful and it has helped me out loads.
    I am hoping to contribute & aid other users like its helped me.

    Great job.

    Stop by my web-site Homepage

  11. Chi Paaske Reply

    I genuinely enjoy examining on this internet site, it contains fantastic articles. “I have a new philosophy. I’m only going to dread one day at a time.” by Charles M. Schulz.

  12. tonic greens Reply

    Tonic Greens: An Overview Introducing Tonic Greens, an innovative immune support supplement meticulously crafted with potent antioxidants, essential minerals, and vital vitamins.

  13. affordable seo agency in noida Reply

    Hey there would you mind stating which blog platform you’re working with?
    I’m planning to start my own blog soon but I’m having a
    tough time choosing between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design and
    style seems different then most blogs and I’m looking for something
    completely unique. P.S My apologies for
    getting off-topic but I had to ask!

    My webpage; affordable seo agency in noida

  14. Gullybet online Reply

    Hi, Neat post. There’s an issue along with your website in web explorer, may check thisK IE still is the marketplace leader and a good component of folks will pass over your fantastic writing due to this problem.

  15. webpage Reply

    Currently it appears like Drupal is the top blogging platform out there
    right now. (from what I’ve read) Is that what you are using on your blog?

    Take a look at my web blog – webpage

Leave A Reply

Your email address will not be published. Required fields are marked *