What is the best way to invest money with a low return and minimal risk?

 There's no single "best" way, as it depends on your individual goals and risk tolerance. However, here are some low-risk, low-return options to consider:

1. Safe Havens:

High-yield savings accounts: Offer modest returns (around 2-3%) while your money remains readily accessible. FDIC insurance guarantees security up to $250,000.

Series I Savings Bonds: Earn interest rates that adjust for inflation, ensuring your purchasing power remains stable. Great for short-term savings.

Treasury bills, notes, and bonds: Backed by the U.S. government, these offer minimal risk but also low returns. Ideal for short- to medium-term goals where security is paramount.

2. Conservative Investments:

Money market funds: Invest in low-risk securities like government debt, offering returns slightly above savings accounts but with minimal volatility.

Short-term certificates of deposit (CDs): Lock in a fixed interest rate for a set period, providing predictability for short-term needs. However, early withdrawal penalties apply.

Dividend-paying stocks: Invest in established companies with a history of consistent dividend payouts. While not risk-free, they offer a combination of income and potential capital appreciation over time.

Remember, these options prioritize capital preservation over high returns. Consider your financial goals, risk tolerance, and investment timeline to choose the best fit. Consulting a financial advisor for personalized guidance is always recommended.