Investing can seem daunting for beginners, but knowing the right investments can significantly minimize risks and provide great returns. Here are 9 best safe investment options with high returns that you can consider in your financial planning.

1. Dividend-Paying Stocks: Investing in well-established, financially stable companies that regularly pay dividends is a smart way to balance risk and reward. Companies with a history of consistently paying dividends, known as blue-chip companies, are generally considered low-risk and offer a steady income stream.

2. Real Estate Investment Trusts (REITs): REITs invest in commercial real estate properties, such as office buildings, shopping centers, or warehouses. Investors can purchase shares directly or through a mutual fund or ETF. These investments typically provide higher returns than savings accounts while maintaining a relatively low level of risk.

3. Peer-to-Peer (P2P) Lending: Through online platforms such as LendingClub or Prosper, you can lend money to individuals seeking loans without involving traditional banks. P2P lending offers high returns with moderate risk levels.

4. Bonds: Bonds offer interest payments to investors and can be very stable investments. Corporate bonds and government bonds from established countries are considered relatively low-risk options which provide higher returns compared to savings accounts.

5. High-Yield Savings Account: High-yield savings accounts pay a higher interest rate than traditional savings accounts with the same level of safety. Shop around various banks for the best rates.

6. Certificates of Deposit (CDs): CDs are time deposits offered by banks with fixed terms and rates higher than standard savings accounts. The longer the term of the CD, the higher the
interest rate.

7. Exchange-Traded Funds (ETFs): ETFs track an index, sector, or commodity and trade like stocks on an exchange. They offer diversification and can generate high returns from both capital appreciation and dividend income.

8. Preferred Stocks: Issued by corporations, preferred stocks pay fixed dividends to shareholders. Although their prices are more volatile than bonds, they offer higher yields and are considered a low-to-medium risk investment.

9. Online Savings Account: Online banks often provide higher interest rates than traditional brick-and-mortar banks. They’re an excellent option for those looking to keep funds accessible while earning more interest on their deposits.

Before investing in any of these options, it’s essential to research and understand the risks involved. Diversifying your investment portfolio is a prudent strategy in managing risk and helping to ensure constant growth.