It’s set-it-and-almost-forget-it investing! Below are a range of investments with varying levels of risk and potential return. By sticking with familiar companies, you’ll be better able to tell when they’re doing well and when they’re doing poorly. Treasury securities are a better option for more advanced investors looking to reduce their risk. Money market accounts typically earn higher interest than savings accounts and require higher minimum balances. Lending Club is one such peer-to-peer lending service I tried out, and I found it to be very easy to use and reliable see my Lending Club review.