Investment Methods for Generating Profits Without Taking Risks

 [Investment Methods for Generating Profits Without Taking Risks]

First, there's a truth I want to make absolutely clear: 👇

💡 "Investing to generate profits without taking any risks" does not exist.

This is a universal rule in the world of investing.

"Return (profit)" is always the flip side of "risk (the possibility of loss)."

However,

there are ways to "steadily generate profits while minimizing risk as much as possible."

Below, I will realistically explain these methods. 🧱 1. Understanding the Relationship Between Risk and Return

Investment Type | Return | Risk (Price Volatility) | Suitable for

Savings Account | Approximately 0-0.5% | None | Those who want to protect their principal

Government Bonds (e.g., Japanese Government Bonds for Individuals) | Approximately 0.5-1% | Very Low | Extremely risk-averse investors

Bond Funds | 1-3% | Low | Those who want to increase their money slightly

Index Investing (e.g., Global Stock Index) | 3-6% | Medium | Those who want to increase their money over the long term

High-Dividend Stocks/REITs, etc. | 4-8% | Medium to High | Those who want stable income

💰 2. Realistic Options for "Making a Profit with Almost Zero Risk"

✅ ① Individual Government Bonds (Variable 10-year)

Principal guaranteed (principal is always returned if held until maturity)

Annual interest rate: Approximately 0.5-1.0% (varies with interest rate increases)

Advantages: Extremely high safety

Disadvantages: Fees for early withdrawal

➡️ A classic choice for those who want almost zero risk

✅ ② Bank Time Deposits/Campaign Deposits

Principal guaranteed

Finding high-interest options at online banks can yield 0.3-0.5% annually

Liquidity is somewhat low, but safe

➡️ More like "saving than investing," but you can definitely increase your money

✅ ③ High-Interest Foreign Currency Deposits (Short-Term)

Exchange rate risk exists, but limited in the short term

Example: US dollar time deposit (4-5% annually for 1 year)

Profits can be made as long as the exchange rate doesn't fluctuate significantly

➡️ A low-risk option for those with "some risk tolerance"

✅ ④ Regular Point Investment/Cashback Investment

Investing with Rakuten Points, PayPay Points, etc. (principal is "points")

Even if you lose, you don't lose actual money

Allows for "investment experience" with small amounts

➡️ Learn investment concepts with no risk

🧠 3. Strategies to Reduce Risk

Long-term investment: Even if there are fluctuations in the short term, they tend to average out in the long term

Diversification: Spreading investments across multiple assets, regions, and currencies

Dollar-cost averaging: Buying a fixed amount each month lowers the average purchase price

➡️ It's not about "avoiding risk," but rather "controlling risk to generate profits" that's realistic.

⚠️ Caution: Be wary of suspicious "no-risk, high-return" schemes.

"Guaranteed 3% monthly return," "principal guaranteed + high dividends," etc., are almost always scams.

Avoid companies not registered with the Financial Services Agency and overseas investment schemes.

✅ Summary: Investment strategies to "minimize risk"

Safe investment with government bonds for individuals

Utilize high-interest time deposits

Gain experience with **point-based investing and NISA (low-risk products)**

Invest steadily over the long term, not the short term