Any ideas for good ways to invest money except 401k? Any low risk investments advice in US

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If you’re investing in public markets: index funds. Def idx funds. Lowest cost wins (VOO is popular for that).

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I use betterment.. Roboadvisor.. I could give you a referal code if needed!

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529, HSA. The ideas above are good (better) but these haven’t been mentioned yet.

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Obvious answer is a Roth/IRA. Slightly more interesting answer is something like Fundrise (which invests your money directly into a diversified portfolio of real estate developments). Interested to hear what others think, since I recently opened my account. Happy to refer you too if interested!

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Low risk investments would be bonds

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This answer depends on how many years you plan on working. If your just out of college, put you money in growth indexes or the S&P 500 and forget about it. If your 10 years from retirement, you should consider moving some of those assets into fixed income or dividend aristocrats

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Try this bowl: https://joinfishbowl.com/bowl_md1dtc33ee

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IUL, life insurance. Good investments, don’t let you lose money but you also can’t make crazy returns, I know someone who sells them if you need a referral

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I don’t actually but you might want to look into life insurance again. The person asked for a safe less risky investment, why not life insurance? Sounds like they want something where they don’t lose money but also better than a savings account. Efficiency? I didn’t say it was the best, clearly stated there was a cap on how much you can make. I personally I’m more into riskier investments but for someone that wants safety, that makes sense

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Crypto currency! Kidding.

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Low risk means low return. High risk means potential high return. A low risk investment with competitive returns doesn’t exist. Anyone who says it does, doesn’t understand investment risk. If invest in something and it doubles in value, that doesn’t mean you didn’t take a risk. It means that the risk didn’t materialize, but it existed.

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VOO

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