Most people find “investing” to be quite scary, especially if you don’t have sufficient money to spare at the end of each month. As we’re all aware, all types of investments carry an element of risk. As such, it’s wise to seek out those low-risk opportunities but with reasonable profits.In order to make an investment safe, it’s best to go for the time-tested “top dog” where the return on investment (ROI) is from moderate to high.Types of investments you may consider:1. Bonds. Investing in bonds is generally safer than investing in stocks. This is because investment in stocks doesn’t come with a guaranteed ROI, whereas a bond is something like a loan and has a promised ROI, plus interest.- There is a distinction between guaranteed and promised. In fact, there isn’t an investment that’s guaranteed. However, with bonds, you know what you’ll be getting at the end of the day. Seek out investments in a company with a proven track record as it’s less likely to go bankrupt.- Bonds are normally paid back to you by year-end. Though, the payment terms can vary from one agreement to another.- The bigger is your bond, the bigger is your profit. But bear in mind, you’ll be making more money on a higher interest bond. So, it would be better for you to invest your money in one high-interest bond instead of multiple low-interest bonds.2. Stocks. As mentioned above, there is an element of risk when investing in all types of investments, but for stocks, the ROI will be higher. Of course, you can cut down your risks by investing in safer or defensive stocks.- Companies like Kentucky Fried Chicken (KFC), The Procter & Gamble Company (P & G), Johnson & Johnson (JNJ) and Wal-Mart Stores Inc. (WMT) are among the safer picks in the stock market. These companies also place higher value on their shareholders’ positive return of dividends.- Investing in defensive stocks that are reliable and have a proven record of their sustainability and profitability gives some security that you wouldn’t get when investing in the newer and lesser-known companies, which can wind-up at any time.- Bear in mind, there are no one hundred per cent safe picks when investing in stocks, but you can lower your risk by going for stocks of a time-tested and profitable company. Alternatively, you can spread out your risk by investing your money in profitable and time-tested mutual funds where your ROI will be based on a part of a whole portfolio of stocks.- Stocks can be a better pick for your long-term investment plans. If you’re an investor who can’t afford to take higher risk, go for a long-standing profitable company to place your investment.3. Multi-family dwelling property. The right time to invest in a multi-family dwelling property will be during a housing meltdown. You’ll then find many multi-family dwelling properties going below market prices.- A multi-family dwelling property is a more secure investment than a single-family one for the simple reason that it can house more tenants. Therefore, if one tenant chooses to vacate at the end of their agreement, you’ll still have other tenants being housed in other units that are still giving you monthly income.- Multi-family dwelling properties give you a better return than single-family ones. For instance, if you have four units of 2-bedroom apartments and are renting them out for $600 each per month, you’re profiting $2,400 per month. Of course, your profit from a single-family one will be much lesser since it’ll be just from one tenant.Coming up with an investment portfolio requires patience and a sincere evaluation of the highest level of risk you can tolerate. Investing in properties is increasing in popularity in recent years. Having a fully tenanted multi-family dwelling property guarantees a monthly positive return even if you need to pay for maintenance and other charges from time to time.Bonds are a safer form of investment, but the return is, by far, the lowest. However, you can still find certain bonds in the market that offer higher interest rates. Though stocks give you a higher return, but you’re exposed to higher risk, and, moreover, the return isn’t guaranteed.A wise investment practice is to spread your risks and returns through a few investment portfolios where you have a few with lower risk and the rest with moderate risk. You should only partake in high-risk investments provided you have a high-risk tolerance threshold! By practicing this strategy, you should enjoy consistent and positive returns throughout the years.