How to invest as safely as possible in 2025

Money sitting idle may generate savings, but it doesn't multiply. This is one of the foundations of investing - but how do you multiply it and know how to invest in the safest way possible?

There is no such thing as a risk-free investment. No matter how small, any investment will always have a margin of risk. However, it is possible to guarantee a low risk rate and, preferably, a good profit margin.

The best safe investment strategies for 2025

If your goal is to invest safely in 2025 without giving up profit, here are some of the best safe investment strategies you can implement.

1. Opening an e-commerce business

Online sales in Portugal continue to break records. In 2024 alone, e-commerce turnover surpassed the 12 billion euros, an increase of 10% compared to 2023 (data from the CTT E-Commerce report).

Either through marketplaces (where you can sell without having your own website) or with an online shop, investing in a digital channel can guarantee you security and financial independence.

• Marketplacesless risk and investment, but less control;
  
• Own online shopgreater investment, but total flexibility.

Regardless of the model, the payment solutions REDUNIQ supports this process with systems adapted to the channel and the profile of its customers.

2. Purchase of public debt

A buying public debt remains a solid option for those looking for stable, low-risk investments.

• 2-year bonds: yield of 2,4%
  
• 3-year bonds: yield of 2,54%

Bet on countries with good credit rating, such as Spain, to reduce the risk.

3. Green" investments

A green economy has been gaining prominence and offers good opportunities for profitability.

• Renewable energy companies
  
• Carbon market
  
• ESG Funds (Environment, Social and Governance)

These assets offer a sustainable return with prospects of long-term appreciation.

4. Real estate crowdfunding

O property crowdfunding allows you to invest in property projects with low initial amounts.

One example is Urbanite, a Spanish platform that has raised more than 200 million euros and achieved a profitability higher than 13%.

• Low risk
  
• Affordable investment
  
• Good profitability with shared risk

5. Fixed income funds

For more conservative profiles, the fixed income funds are a good solution. They have longer maturities than monetary funds and more stable returns.

According to InvercoIn 2024, Spanish pension funds registered a average return of 3.54%.

How to diversify your investments to minimise risks in 2025

A diversification is one of the most effective ways to protect your investments.

Types of investor

Before investing, identify your profile:

• Defensive: prefers safe, low-risk investments
  
• Moderate: combines safe investments with some volatility
  
• Dynamic: accepts moderate losses for greater profitability
  
• Bold: looking for high returns in the short term

Common investment instruments

Consider investing in different assets, such as

• Time deposits
  
• Savings Certificates and Treasury Certificates
  
• Capitalisation insurance
  
• PPR (Retirement Savings Plans)
  
• Actions
  
• Obligations
  
• ETFs
  
• Commodities (gold, sugar, etc.)
  
• Cryptoactive

Diversification strategy

• Start with short-term investments (up to 5 years): Savings Certificates or PPRs
  
• Then add long-term investments (more than 5 years): shares or crypto-assets

The greater the diversification by sector and type of asset, the lower the risk of significant losses.

How to analyse investment risks before making decisions?

Before investing, it is crucial to analyse the risk of each option.

Types of risk to consider:

• Market riskvariations in the markets affect the value of assets
  
• Interest rate riskvariable rates can have a negative impact on returns
  
• Credit riskdefault by the issuing organisation
  
• Liquidity riskdifficulty in selling the asset without a significant loss
  
• Inflation riskerosion of purchasing power
  
• Analytical riskerrors in evaluating or interpreting data

Support tools

• Sharpe Ratio: measures risk-adjusted return
  
• Beta IndexThe volatility of the asset in relation to the market

Although these tools are useful, they do not dispense with more in-depth technical analysis, including reading charts and patterns of asset behaviour.