Best Safe and Low Risk Investments in Malaysia 2025
Many Malaysians are struggling to build a secure financial future. As of October 2024, only 36% of active Employees Provident Fund (EPF) members have met the basic savings threshold of RM240,000 by age 55—a benchmark considered essential for a comfortable retirement. A study by Bank Negara Malaysia revealed that just 40% of Malaysians feel financially prepared for retirement, while more than 75% struggle to save even RM1,000 for emergencies.
These figures highlight the urgent need for stable, low-risk investment options that protect capital while generating consistent returns. Whether you're looking to build retirement savings, preserve wealth, or park cash for future expenses, choosing low-risk investments ensures financial stability without exposing your money to excessive market volatility.
Malaysia offers a range of low-risk investment options, including government-backed funds, bonds, high-yield savings accounts, and money market funds. Here’s a closer look at some of the safest ways to grow your money in 2025.
Investment Type | Expected Returns (Annual) | Liquidity | Risk Level |
---|---|---|---|
Employees Provident Fund (EPF) | 5.0% – 6.1% | Low (Locked until withdrawal age) | Very Low (Government-backed) |
Amanah Saham Bumiputera (ASB) / Amanah Saham Malaysia (ASM) | 4.0% – 7.0% | Medium (ASM may have limited quota) | Low (Government-backed) |
High-Yield Savings Accounts | Up to 4.88% | High (Funds accessible anytime) | Very Low (PIDM insured) |
Money Market / Cash Management Funds | 2.5% – 3.0% | High (Funds accessible anytime) | Low |
Bonds and Sukuk | 3.5% – 5.5% | Medium (Depends on bond tenure) | Low to Medium (Corporate bonds have default risk) |
Fixed Deposits | 2.35% – 3.45% | Low (Penalty for early withdrawal) | Very Low (PIDM insured) |
Real Estate Investment Trusts (REITs) | 4% – 6% | Medium (Traded on stock exchange) | Medium (Stock market fluctuations) |
Gold and Precious Metals | No fixed returns, value fluctuates | High (Gold can be sold anytime) | Low (Inflation hedge, but no passive income) |
1. Employees Provident Fund (EPF)
The Employees Provident Fund (EPF) is Malaysia’s primary retirement savings fund, offering stable, low-risk returns backed by the government. It provides a guaranteed minimum dividend of 2.5%, with actual returns typically ranging between 5% to 6% annually, making it a reliable option for long-term wealth accumulation.
EPF accounts are compounded over time, ensuring steady growth, and contributions qualify for personal income tax relief of up to RM4,000 annually.
EPF historical returns
Year | Simpanan Shariah | Conventional Savings |
---|---|---|
2018 | 5.90% | 6.15% |
2019 | 5.00% | 5.45% |
2020 | 4.90% | 5.20% |
2021 | 5.65% | 6.10% |
2022 | 4.75% | 5.35% |
2023 | 5.40% | 5.50% |
2024 | 6.30% | 6.30% |
Source: StashAway
Contributions come from both employees and employers, but individuals can further boost their savings through voluntary contributions.
- The Self Contribution Scheme allows members to contribute up to RM100,000 annually
- i-Saraan, designed for self-employed individuals, offers a 20% government top-up incentive, capped at RM500 per year (up to RM5,000 over 10 years).
While EPF funds are locked until retirement, they can be accessed early for housing, education, and medical needs. Given its strong track record and tax benefits, voluntary top-ups can significantly enhance long-term retirement savings, making EPF one of the safest investment choices in Malaysia.
2. Amanah Saham Bumiputera (ASB) & Amanah Saham Malaysia (ASM)
Amanah Saham Bumiputera (ASB) and Amanah Saham Malaysia (ASM) are fixed-price unit trust funds managed by Amanah Saham Nasional Berhad (ASNB), a subsidiary of Permodalan Nasional Berhad (PNB).
ASB is exclusively for Bumiputera investors, while ASM is open to all Malaysians. These funds are low-risk investments designed for long-term capital growth while preserving capital, making them attractive for investors seeking stable, tax-free returns.
Benefits of ASB and ASM
✅ Fixed unit price of RM1 – No risk of capital depreciation, ensuring capital protection.
✅ Stable and competitive returns – Historically providing 4%-6% annual returns, outperforming most fixed deposits.
✅ No sales or redemption charges – 100% of invested funds go towards growth.
✅ Tax-free dividends – All earnings from ASB and ASM are exempt from personal income tax.
✅ Liquidity – Withdraw funds anytime, with limits on online transactions for ASB.
✅ Reliable fund management – Managed by PNB, one of Malaysia’s largest asset managers.
Returns of ASB
ASB has consistently delivered above-average dividend payouts, even during economic downturns. While returns have fluctuated in recent years, it remains a reliable option for long-term, low-risk investing.
Year | Distribution (sen) | Bonus (sen) | Special Bonus (sen) | Total (sen) |
---|---|---|---|---|
2019 | 5.00 | 0.50 | - | 5.50 |
2020 | 3.50 | 0.75 | 0.75 | 5.00 |
2021 | 4.25 | 0.75 | - | 5.00 |
2022 | 4.60 | 0.50 | - | 5.10 |
2023 | 3.35 | 1.25 | 0.50 | 5.10 |
2024 | 5.50 | 0.25 | - | 5.75 |
Despite fluctuations, ASB consistently delivers higher returns than fixed deposits, making it a low-risk, high-liquidity investment option for Bumiputera investors.
Returns of ASM
ASM operates similarly to ASB but is open to all Malaysians. However, ASM returns tend to be slightly lower than ASB due to differences in asset allocation.
Year | Distribution (sen) |
---|---|
2019 | 5.50 |
2020 | 4.25 |
2021 | 4.00 |
2022 | 4.00 |
2023 | 4.50 |
2024 | 4.75 |
ASM is highly sought after, but unit availability can be limited. Investors may need to check myASNB frequently or visit ASNB branches to secure units.
For Bumiputera investors, ASB remains one of the best low-risk investment options with consistent returns and guaranteed capital preservation. For non-Bumiputera investors, ASM offers a solid alternative, but availability can be a challenge.
We have created these comprehensive guides to help you navigate your investment in ASB and ASM — Ultimate Guide to Amanah Saham Bumiputera (ASB) and Ultimate Guide to Amanah Saham Malaysia (ASM).
3. High-yield savings accounts
A high-yield savings account offers a higher interest rate than traditional savings accounts, helping you grow your money faster while keeping it liquid. These accounts provide better returns than regular savings but still allow easy access to your funds without the restrictions of fixed deposits. However, unlocking the highest interest rates often requires fulfilling conditions such as minimum deposits, spending thresholds, or bill payments.
Benefits of High-Yield Savings Accounts
✅ Higher returns than regular savings accounts – Interest rates can go up to 6% p.a., significantly outpacing conventional savings.
✅ Liquidity – Unlike fixed deposits, you can withdraw anytime without penalties.
✅ Safe and low-risk – Funds are protected under Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000.
✅ Bonus interest opportunities – Earn extra interest through linked transactions like spending, investing, or bill payments.
✅ No fixed tenure – Unlike fixed deposits, there's no need to lock your money for a set period.
Best High-Yield Savings Accounts in Malaysia (2025)
Savings Account | Max Interest Rate | Eligible Balance | Conditions to Unlock Highest Rate |
---|---|---|---|
UOB One Account | Up to 6.00% | RM200,000 | Perform any 2: deposit, spend, bill payment, direct debit, or inward fund transfer. |
Standard Chartered Privilege$aver | Up to 6.15% | RM100,000 | Meet conditions: deposit, spend (debit/credit), invest, pay bills, payroll. |
RHB Smart Account | Up to 2.65% | RM100,000 | Deposit, pay bills, spend, and invest. |
UOB Stash Account | Up to 3.20% | RM200,000 | Maintain balance above RM100,000. |
OCBC 360 Account | Up to 3.25% | RM100,000 | Deposit, pay bills, and spend on debit/credit card. |
Hong Leong Pay&Save Account | Up to 4.15% | RM100,000 (no cap on trading bonus) | Deposit, pay bills, spend, and invest. |
Alliance SavePlus Account | Up to 3.00% | No limit | Maintain balance above RM200,000. |
OCBC Booster Account | Up to 3.35% | Bonus rate capped at RM50,000 | Invest in unit trust or insurance. |
AmBank eFlex | Up to 2.30% | No limit | Maintain a balance above RM20,000. |
Read more: Malaysia Best High-Interest Savings Account
4. Money Market & Cash Management Funds
Money Market Funds (MMFs) and Cash Management Accounts are low-risk investment options that offer higher returns than traditional savings accounts while maintaining high liquidity. They invest in short-term debt instruments, fixed deposits, and other cash-equivalent securities, making them ideal for preserving capital with minimal risk.
Benefits of Money Market Funds & Cash Management Accounts
✅ Higher returns than savings accounts – Typically offering 3% to 4% p.a., outperforming regular savings.
✅ High liquidity – Funds can be withdrawn anytime without penalty, unlike fixed deposits.
✅ Diversified & low risk – Invests in government-backed or high-quality financial instruments.
✅ No lock-in period – Unlike fixed deposits, you can access funds freely while still earning returns.
✅ Shariah-compliant options – Several funds follow Islamic investment principles for Muslim investors.
Top Money Market Funds & Cash Management Accounts in Malaysia (2025)
Fund/Account | 1-Year Return | Investment Type | Minimum Investment | Fees |
---|---|---|---|---|
StashAway Simple™ | 3.6% (Projected) | Cash Management | No minimum | 0.15% p.a. Management fee |
AmIslamic Cash Management Fund | ~ 3.66% | Shariah-compliant MMF | RM1,000 | 0.75% p.a. Management fee and 0.08% p.a. Trustee fee |
Eastspring Investments Cash Management Fund | ~ 3.48% | Money Market Fund | RM1,000 | 0.50% p.a. Management fee and 0.05% p.a. Trustee fee |
RHB Cash Management Fund 2 | ~ 3.64% | Money Market Fund | RM1,000 | 0.40% p.a. Management fee |
Touch 'n Go GO+ | ~ 3.52% | Shariah-compliant MMF | RM10 | 0.45% p.a. Management fee and 0.03% p.a. Trustee fee |
Manulife Cash Management Fund | ~ 3.07% | Money Market Fund | RM1,000 | 0.50% p.a. Management fee and 0.04% p.a. Trustee fee |
Maybank Money Market Fund (USD Class) | ~3.42% | Multi-currency MMF | USD1,000 | 0.3% p.a. Management fee |
RHB Cash Management Fund | ~3.54% | Money Market Fund | RM1,000 | 0.4% p.a. Management fee |
5. Bonds
Bonds are fixed-income securities that provide stable returns with lower risk compared to stocks. When you invest in bonds, you’re lending money to a government or corporation, and in return, the issuer agrees to pay you fixed interest (coupon payments) over a specified period. At maturity, you receive your initial investment (principal) back, making bonds a reliable investment for capital preservation and steady income.
Benefits of Investing in Bonds
✅ Lower risk than stocks – Bonds are less volatile and provide fixed interest payments at regular intervals.
✅ Government-backed security – Malaysian Government Securities (MGS) are among the safest investment options available.
✅ Diversification – Adding bonds to a portfolio reduces overall risk and provides stability.
✅ Steady passive income – Bonds offer predictable returns, making them ideal for retirement planning.
✅ Shariah-compliant options – Sukuk (Islamic bonds) provide halal investment choices for Muslim investors.
Types of Bonds in Malaysia
- Government Bonds (Malaysian Government Securities - MGS) – Issued by the Malaysian government, they are the safest bonds available, providing fixed interest payments.
- Corporate Bonds – Issued by companies looking to raise capital; higher returns but come with higher risk.
- Sukuk (Islamic Bonds) – Shariah-compliant bonds that avoid interest-based returns, offering profit-sharing mechanisms instead.
- Bond ETFs – Exchange-traded funds that pool multiple bonds, making it easier for investors to diversify with lower capital requirements.
How to Invest in Bonds
- Direct Bond Purchases – Requires a high minimum investment (typically RM250,000 or more).
- Bond Unit Trust Funds – Investors can start with as little as RM1,000 in professionally managed bond funds.
- Bond ETFs – Tradeable on Bursa Malaysia like stocks, offering exposure to a diversified bond portfolio with a minimum investment of 100 units.
Here are some of the more easily accessible Bonds-related products that you can invest in:
Type | Product | 3-year annualised return | Expense ratio |
---|---|---|---|
ETF | ABF Malaysia Bond Index | 4.65% | 0.1% p.a. |
Unit Trust Fund | Eastspring Investments Bond Fund | 3.64% | 1.1% p.a. |
Unit Trust Fund | RHB Bond Fund | 5.72% | 1.09% p.a. |
Unit Trust Fund | Kenanga Bond Fund | 3.02% | 1.52% p.a. |
Unit Trust Fund | Manulife Investment Bond Fund | 4.36% | 0.33% p.a. |
Unit Trust Fund | AmanahRaya Syariah Trust Fund | 4.71% | 1.06% p.a. |
Unit Trust Fund | AmanahRaya Unit Trust Fund | 4.78% | 1.15% p.a. |
6. Fixed deposits
Fixed deposits (FDs) offer stable and predictable returns, making them one of the safest investment options in Malaysia.
With Malaysia’s Overnight Policy Rate (OPR) holding at 3.00% in early 2025, banks continue to provide competitive fixed deposit rates for both short-term and long-term savers.
Benefits of Fixed Deposits
✅ Guaranteed returns – Fixed interest rates ensure predictable earnings.
✅ Low risk – Funds are protected by PIDM (up to RM250,000 per depositor per bank).
✅ Short- and long-term options – Choose from 1-month to multi-year tenures based on your financial goals.
✅ No market volatility – Unlike stocks or unit trusts, FDs provide stable returns without price fluctuations.
✅ Shariah-compliant options – Islamic fixed deposit alternatives (Term Deposit-i) are available for halal investing.
Fixed Deposit Interest Rates in Malaysia (March 2025)
Tenure | Interest Rate (Range, p.a.) |
---|---|
1-month | 2.00% – 2.80% |
3-month | 2.25% – 3.05% |
6-month | 2.30% – 3.30% |
9-month | 2.35% – 3.40% |
12-month | 2.35% – 3.45% |
Best Fixed Deposit Promotions Mar 2025
Bank | Min deposit | Tenure | Interest Rate | Promo Until |
---|---|---|---|---|
Alliance Privilege UT Combo | RM1,000 | 3 months | 7.50% - 8.50% | 31 Mar 2025 |
Alliance Personal Welcome Offer | RM10,000 (max RM100,000) | 6 months | 3.80% | 31 Mar 2025 |
BSN Term Deposit-i bundle with BSN SSP | RM 5,000 | 6 months | 5.50% | 31 Mar 2025 |
Hong Leong eFD/ eFD-i placements | RM1,000 | 3 , 6, 12 months | 3.60% - 3.70% | 13 Mar 2025 |
MBSB Term Deposit-i | RM 1,000 | 3 , 6, 12 months | 3.65% - 4.00% | 31 Mar 2025 |
MBSB Prime Deposit Account SME Campaign | RM 10,000 | 6, 12 months | 3.80% - 4.00% | 26 Aug 2025 |
MBSB TIA-i Campaign | RM 1,000 | 3 , 6, 12 months | 3.70% - 4.10% | 31 Mar 2025 |
Public Bank eFD vis FPX Campaign | RM 5,000 | 3, 6, 9, 12 months | 3.50% -3.70% | 31 Mar 2025 |
Public Islamic Term Deposit-i promo | Over counter transaction | 7 months | 3.75% | 31 Mar 2025 |
Standard Chartered Fixed Deposit Fresh Funds | RM30,000 in fresh funds (up to RM200k) | 12 months | 3.80% | 31 Mar 2025 |
CIMB eFD-i | RM 1,000 | 4, 10 months | 3.70% - 3.75% | 24 Mar 2025 |
AmBank eFD eTD-i (fresh funds) | RM 1,000 | 6,12 months | 3.75% - 3.85% | 31 Mar 2025 |
Read more: Malaysia Best Fixed Deposit Rates
7. Real Estate Investment Trusts (REITs)
Real estate has always been a valuable asset class, but owning property requires significant capital and involves management complexities. Real Estate Investment Trusts (REITs) provide an accessible alternative, allowing investors to own fractional shares in income-generating properties such as shopping malls, office buildings, hotels, industrial facilities, and healthcare centers.
By investing in REITs, Malaysians can earn passive rental income and benefit from property appreciation without the financial burden of direct property ownership. Listed on Bursa Malaysia, REITs offer a low-cost, liquid, and diversified way to gain exposure to the real estate market.
Benefits of REITs
✅ Affordable real estate investment – Start with as little as RM100, compared to hundreds of thousands for physical property.
✅ High liquidity – Buy and sell REIT units like stocks, unlike traditional properties that take months to transact.
✅ Consistent income – Earn 5% – 7% annual dividend yields, often higher than rental returns from physical properties.
✅ Diversification – Gain exposure to various property sectors, reducing risk.
✅ Professionally managed – REITs are run by expert property managers who optimize rental income and asset value.
✅ Tax-efficient – REITs that distribute at least 90% of their net income to investors enjoy tax exemptions, boosting profitability.
Top REITs Listed on Bursa Malaysia
Name | Portfolio Type | Stock Code | Ticker Symbol |
---|---|---|---|
IGB REIT | Retail properties | 5227 | IGBREIT |
Pavilion REIT | Retail & office | 5212 | PAVREIT |
Sunway REIT | Retail, hotel, office, industrial | 5176 | SUNREIT |
CapitaLand Malaysia Trust | Retail | 5180 | CLMT |
Axis REIT | Industrial & office | 5106 | AXREIT |
Al-Aqar Healthcare REIT | Healthcare (hospitals) | 5116 | ALAQAR |
KLCC Property REIT | Office & retail | 5235SS | KLCC |
YTL Hospitality REIT | Hotels & resorts | 5109 | YTLREIT |
How Do REITs Work?
- Investors buy REIT units on Bursa Malaysia.
- The REIT pools funds from multiple investors to purchase and manage properties.
- REIT managers oversee property operations, ensuring optimal rental income.
- Rental income & capital appreciation generate returns.
- 90% of income is distributed as dividends, making REITs a steady income source.
Read more: Beginner’s Guide to Real Estate Investment Trusts in Malaysia
8. Gold and precious metals
Gold has long been a symbol of wealth and financial security, particularly during economic downturns. With rising global uncertainties, many Malaysians have turned to gold as a safe-haven investment, driving demand for physical gold, digital gold, and gold-related financial instruments.
Gold is a proven store of value, with prices steadily increasing over the years. Here’s why investors consider gold a key part of their portfolio:
✅ Preserves wealth – Gold has retained value for centuries, protecting purchasing power over time.
✅ Hedge against inflation – When fiat currencies depreciate, gold prices often rise, making it an effective inflation hedge.
✅ Crisis-resistant – Gold is known as a "crisis commodity," holding or increasing in value during geopolitical or economic instability.
✅ Diversifies investments – Gold moves inversely to stock markets, reducing overall portfolio risk.
✅ Limited supply, increasing demand – Global gold production is slowing, while demand, especially in China and India, is rising, supporting long-term price appreciation.
✅ Alternative to weakening currencies – Gold’s value is often inversely related to the U.S. dollar, making it attractive when the dollar declines.
✅ Easily liquidated – Gold is highly liquid and can be converted into cash quickly.
Ways to invest in gold in Malaysia
1. Buy Physical Gold (Gold Bars & Coins)
Physical gold remains a popular choice, offering tangible security.
- Gold Bars: Available in sizes from 1g to 1kg, ideal for larger investments. Lower premiums than coins.
- Gold Coins: More liquid, easier to sell in small amounts, but often have higher markups.
📍 Where to Buy?
- Public Gold – Offers a variety of gold bars in sizes from 10g to 1kg.
- Maybank Kijang Emas Coins – Malaysia’s official gold bullion coins in ¼, ½, and 1 troy ounce.
- Silverbullion – Sells gold bars and coins online and in physical stores.
- Jewelry Stores – Reputable brands like Habib, Poh Kong, Tomei, Wah Chan also sell investment-grade gold.
✔️ Pros: No counterparty risk, can be held privately.
❌ Cons: Requires safe storage, selling gold bars may require finding a buyer.
2. Invest in Gold Stocks
Gold-related stocks provide exposure to the gold industry without owning physical gold.
Top Gold Stocks in Malaysia (Performance as of 2024):
- Poh Kong Holdings Bhd 📈 +31% YTD – Leading jewelry retailer with strong profit growth.
- Tomei Consolidated Bhd 📈 All-time high RM2.11 – Strong Q1 results fueled by rising gold prices.
- Bahvest Resources Bhd 📈 45 sen per share – A Sabah-based gold mining company benefiting from increased demand.
✔️ Pros: No need for storage, potential for high returns.
❌ Cons: More volatile than physical gold, affected by market trends and company performance.
3. Gold ETFs (Exchange-Traded Funds)
Gold ETFs track gold prices and provide exposure to gold without physical ownership.
Popular Gold ETFs:
- TradePlus Shariah Gold Tracker (Malaysia) – Shariah-compliant gold ETF.
- SPDR Gold MiniShares Trust (U.S.) – A cost-effective gold ETF.
- abrdn Standard Physical Gold Shares (U.S.) – Backed by physical gold holdings.
- VanEck Merk Gold Trust (U.S.) – Allows physical gold redemption.
💡 Invest in Gold ETF via StashAway
StashAway’s Flexible Portfolios include the SPDR Gold Trust ETF, offering diversified exposure to gold with low fees.
✔️ Pros: Easy to trade, low costs, no need for storage.
❌ Cons: No physical ownership, subject to brokerage fees.
4. Gold Investment Accounts (GIA)
Gold investment accounts let investors buy gold digitally without storing it physically.
📍 Where to Open a Gold Investment Account in Malaysia?
- Maybank Gold Investment Account – Track real-time gold prices, buy/sell online.
- Public Bank Gold Investment Account (eGIA) – Easily accessible digital gold account.
- Kuwait Finance House (KFH) Gold Account-i – Shariah-compliant option.
- CIMB e-Gold Investment Account – Digital gold buying and selling.
- UOB Premier Gold Account & Gold Savings Account – Start from 5g of gold.
- HSBC Gold Account – Offers flexible gold investment options.
✔️ Pros: No storage issues, digital transactions.
❌ Cons: Some accounts have conversion fees and minimum balance requirements.
Read more: Comprehensive Guide to Gold Investment
How low-risk investments complement your financial goals
Investing isn't just about chasing the highest returns—it’s about striking a balance between risk and reward to meet your financial goals.
By incorporating low-risk investments into your portfolio, you reduce the impact of market volatility and ensure a steady growth trajectory, especially during uncertain economic periods.
The Role of Low-Risk Investments in Financial Planning
Low-risk investments serve multiple functions in a well-balanced financial strategy:
- Capital Preservation – Ensures that your principal amount remains intact while earning moderate returns.
- Steady Income Stream – Generates consistent returns through interest, dividends, or fixed payouts, making it ideal for retirees or conservative investors.
- Emergency Fund Buffer – Helps maintain liquidity and accessibility, ensuring you have funds available in case of emergencies.
- Risk Diversification – Lowers the overall risk of a portfolio by reducing exposure to highly volatile assets like stocks or cryptocurrencies.
The Importance of Risk Management in Investing
Risk management is essential to protect your investments from unexpected market downturns and economic shocks. A well-diversified portfolio incorporating low-risk investments can safeguard against financial setbacks.
1. Reducing Portfolio Volatility
Data from 2020–2023 market fluctuations shows that a 60/40 portfolio (60% stocks, 40% bonds) was 30% less volatile than an all-equity portfolio, demonstrating the stabilizing effect of bonds.
2. Avoiding Emotional Investing
Studies indicate that 70% of retail investors panic-sell during market crashes, locking in losses. Low-risk investments act as a buffer, reducing the need to liquidate assets during downturns.
3. Consistency in Market Downturns
During the 2008 Financial Crisis and 2020 COVID-19 crash, equities saw drops of 40%–50%, while money market funds and bonds maintained their value, protecting investors from catastrophic losses.
How to Balance Low-Risk and High-Risk Investments
A strategic approach is to blend low-risk and high-risk assets based on your risk appetite:
Investor Type | Recommended Allocation |
---|---|
Conservative | 80% Low-Risk, 20% High-Risk |
Balanced | 50% Low-Risk, 50% High-Risk |
Aggressive | 30% Low-Risk, 70% High-Risk |
For example, if you're saving for short-term goals like a home down payment (1–3 years), prioritize fixed deposits and money market funds. If you're investing for long-term retirement (20+ years), a balanced mix of bonds and stocks may be ideal.
Conclusion
Low-risk investments are essential in complementing high-risk assets and ensuring financial stability. By incorporating fixed deposits, money market funds, and government bonds into your portfolio, you reduce risk exposure while maintaining a steady stream of returns.
While aggressive investments like stocks and cryptocurrencies offer higher potential returns, a well-structured risk management strategy ensures long-term success without unnecessary financial stress.