In this article, we will take a look at some of the best places to invest money without risk.
In this era of creating wealth by chasing growth, it is important to safeguard what you own. Some believe safe investing is an art of its own. While it’s true, high returns that are often associated with volatile stocks are quite tempting. But for seasoned investors, low-risk or risk-free investments remain the cornerstone of a sound financial strategy.
Just recently, analysts at Morningstar cited:
“In times of market uncertainty, capital preservation is just as crucial as capital growth.”
Although the lure of high returns can overshadow caution, smart investing isn’t always about bold risks; instead, it implies steady choices that protect wealth. These safe investments are mostly mega-cap stocks that provide security, especially during these times of macroeconomic instability. With this in mind, we have compiled a list of the 11 best places to invest money without risk.
A modern skyscraper, its glass exterior reflecting the company’s stable investment portfolio.
Our Methodology:
Using the Finviz screener, we have gathered a list of low-risk stocks that are mega-caps. These stocks have delivered positive returns in the last 5- or 10-year investment horizon. These stocks are then ranked according to the returns delivered in the past five years in ascending order.
Why are we interested in the stocks that hedge funds pile into? The reason is simple: our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. Our quarterly newsletter’s strategy selects 14 small-cap and large-cap stocks every quarter and has returned 373.4% since May 2014, beating its benchmark by 218 percentage points (see more details here).
11. Toyota Motor Corporation (NYSE:TM)
5-year return as of July 3, 2025: 38.37%
Toyota Motor North America, a segment of the Toyota Motor Corporation (NYSE:TM), has initiated as much as $50 million in new construction at its Arizona Proving Grounds, as per the company’s statement on Wednesday.
The initiative comprises a 5.5-mile oval track, an off-road park, and new ride and handling surfaces, scheduled to be completed later this year. Not only this, the company has also unveiled plans to develop a facility for advanced driver assistance technology. This expansion comes as Toyota Motor Corporation (NYSE:TM) sustains its 46-year-long streak of dividend payments.
What’s even more exciting is that the investment involves seven different projects, particularly a noise pass-by testing area, the oval track, a 1.5-mile ride and handling course, and a 1.3-mile loop road. By 2026, Toyota Motor Corporation (NYSE:TM) will wrap up additional projects like a 1.7-mile north straight, an off-road park, and a 17-acre VDA resurface. With this vision in mind, there is no doubt TM is among the safest bets.
Toyota Motor Corporation (NYSE:TM) is a Japanese company that designs, manufactures, and retails passenger and commercial vehicles. Incorporated in 1933, the company maintains a strong presence across North America, Europe, Asia, Oceania, Africa, and the Middle East, among others.
10. Amazon.com, Inc. (NASDAQ:AMZN)
5-year return as of July 3, 2025: 54.60%
According to the Securities and Exchange Commission filing on Tuesday, Jeff Bezos, the founder and chairman of Amazon.com, Inc. (NASDAQ:AMZN), sold 3.3 million shares worth around $737 million in the company last week.
This transaction is part of a 10b5-1 trading plan adopted at the start of the year. A filing on Friday demonstrated that Bezos marked for sale nearly 25 million Amazon shares for $5.4 billion. Tuesday’s filing showed that the company’s founder owns approximately 905.4 million shares in Amazon.com, Inc. (NASDAQ:AMZN).
This isn’t something new. Bezos has frequently engaged in transactions like this, having offloaded shares worth $5 billion through 2024 as the stock reached record highs. Just recently, analysts at Truist raised their price target for Amazon.com, Inc. (NASDAQ:AMZN) to $250 from $226, with an unchanged Buy rating, citing a potential guidance raise for the third quarter. The firm made the following comment:
“We expect AMZN to report stronger than expected 2Q25 results driven by a resilient NA consumer virtually unaffected by the macro or tariffs so far, and by favorable FX on a weakening US$.”
Amazon.com, Inc. (NASDAQ:AMZN) is a Washington-based e-commerce giant engaging in the retail sale of consumer products, advertising, and subscription services via online and physical stores across North America and the globe. Incorporated in 1994, the company aims to be the world’s most customer-focused company.
9. SAP SE (NYSE:SAP)
5-year return as of July 3, 2025: 102.38%
SAP SE (NYSE:SAP) has made it to the top 10 Europe, the Middle East, and Africa (EMEA) Ideas list of Bank of America (BofA) for the third quarter of 2025, with an unchanged Buy rating and €320 price target. Having said that, SAP is BofA’s top large-cap software choice and features on both its “25 Stocks for 2025” and Europe 1 list of top ideas.
Among the various reasons for this optimism are robust revenue visibility, structural operating leverage, and AI integration. The company’s strong financial footing is reinforced by its recurring revenues and cloud backlog growth, standing at 95% and 29%, respectively, in the first quarter. The bank also highlights that while powering AI, SAP SE (NYSE:SAP) has driven as high as 30% efficiency gains. Additionally, the Gen AI popularity is rising, with around 34,000 customers already capitalizing on Business AI.
BofA also points towards a more favorable medium-term outlook by SAP SE (NYSE:SAP), with expectations of support revenue to be more than five times Cloud revenue in the next two years, in contrast to the previous two to three times.
SAP SE (NYSE:SAP) is a German global enterprise application and business solutions provider. The core offerings of the company include SAP S/4HANA, SAP SuccessFactors, SAP Business Technology Platform, and SAP customer experience solutions. Founded in 1972, the company is committed to helping the world run better.
8. Microsoft Corporation (NASDAQ:MSFT)
5-year return as of July 3, 2025: 141.85%
On Monday, the Board of Directors of Microsoft Corporation (NASDAQ:MSFT) announced an amendment to the bylaws effective from July 1, 2025. The revision outlines a new process through which the shareholders can fix specific gaps in director nomination notices.
As the company’s filing with the Securities and Exchange Commission shows, the initiated bylaw provision applies to nomination notices filed within the timeframe outlined in the bylaws. It’s as straightforward as it sounds. If a nomination notice possesses certain deficiencies, the shareholders will be informed, and they will then address the concerns. As Microsoft Corporation (NASDAQ:MSFT) states,
“For nomination notices received by the Company within the period specified in the Bylaws, the Company will notify shareholders of such deficiencies in the notice, and there will be an opportunity to cure such deficiencies.”
Just recently, analysts at D.A. Davidson raised the price target for Microsoft Corporation (NASDAQ:MSFT) to $600 from $500, reaffirming that the company is its top large-cap pick. Much of this optimism is attributed to Azure’s continued growth momentum and evolving infrastructure strategy. Undoubtedly, the second-largest company is among the safest bets for stable returns.
Microsoft Corporation (NASDAQ:MSFT), headquartered in Washington, develops and manages software solutions globally. Incorporated in 1975, the company serves through three main segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing. The giant aims to empower every person and enterprise to achieve more.
7. Netflix, Inc. (NASDAQ:NFLX)
5-year return as of July 3, 2025: 172.01%
Goldman Sachs has increased the price target for Netflix, Inc. (NASDAQ:NFLX) to $1,140.00 from $1,000.00, with an unchanged Neutral rating ahead of its upcoming Q2 2025 earnings. The firm anticipates the giant’s consumption habits, retention, monetization trends, and user growth to remain equally strong.
What the investors are truly looking forward to is the company’s content slate planned for the second half of 2025. From a competitive pricing position and future average revenue per member growth dynamics to the flow of pricing actions within developed markets, analysts believe that Netflix, Inc. (NASDAQ:NFLX) is like none other.
Goldman Sachs also underscored investor emphasis on the potential influence on subscriber engagement and retention trends stemming from the streaming powerhouse’s solid content lineup during the second half of this year. Additionally, the firm revised its forward estimates for Netflix, Inc. (NASDAQ:NFLX), driven by its intra-quarter research and the overall macroeconomic environment.
Netflix, Inc. (NASDAQ:NFLX) is a California-based entertainment service provider that was incorporated in 1997. The main offerings of the company include television (TV) series, documentaries, feature films, and games. With a presence across 190 countries, the company is committed to entertaining the world.
6. Morgan Stanley (NYSE:MS)
5-year return as of July 3, 2025: 201.61%
On Tuesday, Morgan Stanley (NYSE:MS) announced to raise its quarterly common stock dividend to $1.00, up from $0.925 per share, implying a surge of about 8.1%. This revision will become effective upon the anticipated approval by the Board of Directors during the third quarter of the current fiscal year.
The company also unveiled that the Board has reauthorized a multi-year common equity share repurchase program of more than $20 billion, set to begin in the third quarter of 2025 with no fixed expiration date. As Ted Pick, Chairman and Chief Executive Officer of Morgan Stanley (NYSE:MS), outlined,
“We remain committed to consistently growing our quarterly dividend.”
This declaration was after the Federal Reserve released its Comprehensive Capital Analysis and Review (CCAR) 2025 results on June 27. Consequently, the financial services firm projects a Stress Capital Buffer (SCB) requirement of 5.1% from October 1, 2025, through September 30, 2026.
Morgan Stanley (NYSE:MS) is a New York-based firm that provides financial products and services to governments, organizations, and individuals across the Americas, Asia, Europe, the Middle East, and Africa. Founded in 1924, the company adopts innovative strategies to assist its clients.
5. Meta Platforms, Inc. (NASDAQ:META)
5-year return as of July 3, 2025: 208.03%
Analysts at Baird increased the price target for Meta Platforms, Inc. (NASDAQ:META) to $740.00 from $635.00, with an unchanged Outperform rating. This surge follows the company’s “Conversations” event, which outlined AI-powered products and seamless integration with the giant’s Advantage+ advertising platform.
The research firm highlighted that the initiation of Commerce, Ads, and Agents across WhatsApp and Messenger platforms is a bold and important step to enhance incremental messaging revenues. According to Baird, click-to-message (CTM) ads will translate to an impressive $15 billion to $20 billion run rate, with WhatsApp ads tracking toward as much as $10 billion over the next few years. There’s nothing ordinary about these figures.
From expectations of $10 billion in revenue from additional subscriptions and fees to a total messaging monetization opportunity of approximately $40 billion to $50 billion, Meta Platforms, Inc. (NASDAQ:META) can expect $100 per share contribution in enterprise value.
Meta Platforms, Inc. (NASDAQ:META), headquartered in California, develops products that allow its users to connect and share with friends and family via mobile devices, personal computers, augmented reality, and other devices. Founded in 2021, the company operates through two segments: Family of Apps (FoA) and Reality Labs (RL).
4. Wells Fargo & Company (NYSE:WFC)
5-year return as of July 3, 2025: 229.91%
On Monday, Wells Fargo & Company (NYSE:WFC) announced that it has successfully executed the 2025 Comprehensive Capital Analysis and Review (CCAR) stress test process, with the Federal Reserve Board’s (FRB) calculations led to a forecasted stress capital buffer (SCB) for the company below the minimum, expecting to raise the dividend by 12.5%.
The planned rise in the common stock dividend, from $0.40 per share to $0.45 per share, in the third quarter of 2025, is subject to approval by the Board of Directors. This is one of the reasons why investors are looking forward to the shareholder meeting in July. Additionally, the repurchasing of common stock by Wells Fargo & Company (NYSE:WFC) is a part of the company’s internal capital adequacy framework that examines the current market and regulatory environment.
The company anticipates its SCB to reduce to at least 2.5% from 3.8%, implying a percentage of incremental capital that Wells Fargo & Company (NYSE:WFC) must hold on top of its minimum regulatory capital requirements. While the final SCB is scheduled for August 31, 2025, the FRB’s pending notice of the proposed rule would result in the company’s expected SCB being 2.6% if finalized as proposed.
Wells Fargo & Company (NYSE:WFC) is a California-based financial services company with four main segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The core offerings of the company include diversified banking, investment, mortgage, and consumer and commercial finance products and services.
3. Tesla, Inc. (NASDAQ:TSLA)
5-year return as of July 3, 2025: 291.35%
As the data from the China Passenger Car Association reveals, the China-made EV sales of Tesla, Inc. (NASDAQ:TSLA) surged by 0.8% in June from the past year, ending the eight-month-old streak. Although these sales showed a quarterly decline due to the tough competition from Chinese rivals offering low-cost alternatives, the deliveries of Model 3 and Model Y vehicles actually rose.
All thanks to its Shanghai factory, the deliveries, including China sales and exports to Europe and other markets, witnessed a surge of about 16.1% from May to 71,599 units. The global sales for the company’s biggest threat, BYD, were recorded at 377,628 units last month. When compared to Tesla, Inc. (NASDAQ:TSLA), the YoY rise of 11% seems so little for BYD.
But things get interesting when we consider the anticipated guidance for both companies. While Tesla’s EV sales are expected to witness a drop of 10%, marking 13% of the world’s sales, BYD’s sales are anticipated to rise by 45%. Some analysts expect Tesla to cut prices, and when that happens, the competition can already be seen as cooling off. For the giant that Tesla, Inc. (NASDAQ:TSLA) is, the stock has full investor faith in the direction Musk is taking the company.
Tesla, Inc. (NASDAQ:TSLA) is a Texas-based developer and seller of electric vehicles, and energy generation and storage systems across the United States, China, and the globe. Founded in 2003, the company operates through two segments: Automotive and Energy Generation and Storage. The company is committed to accelerating the transition to sustainable energy.
2. Oracle Corporation (NYSE:ORCL)
5-year return as of July 3, 2025: 324.24%
Analysts at DA Davidson have raised their price target for Oracle Corporation (NYSE:ORCL) to $220 from $170 while keeping a Neutral rating on the stock. This price surge follows Oracle’s 8-K filing on Monday, which unveiled the company’s cloud service agreement worth more than $30 billion scheduled for FY28.
Gil Luria, an analyst at DA Davidson, noted that the collaboration represents a strategic deal for Oracle Corporation (NYSE:ORCL) as it expands into its cloud infrastructure segment. On top of that, OpenAI is all set to lease 4.5 gigawatts of data center capacity from the company for the Stargate Project.
The company’s position in this project underpins BNP Paribas Exane’s belief that hyperscalers continue to be the best way for investors to capitalize on the growing demand for AI. All these initiatives place Oracle Corporation (NYSE:ORCL) in a favorable position and as the one to lead the market soon.
Oracle Corporation (NYSE:ORCL) is a Texas-based enterprise that engages in solutions to address enterprise information technology environments globally. Founded in 1977, the company offers Oracle cloud software, cloud-based industry solutions, and cloud and license business infrastructure technologies, among others.
1. Palantir Technologies Inc. (NASDAQ:PLTR)
5-year return as of July 3, 2025: 1,360.43%
Palantir Technologies Inc. (NASDAQ:PLTR), together with BlueForge Alliance (BFA), which is a nonprofit integrator supporting the U.S. Navy’s efforts to strengthen the maritime industrial base, has launched Warp Speed for Warships. This bold step to expand warship production, fleet readiness, and digital transformation is financially backed by the U.S. Navy’s Maritime Industrial Base (MIB) Program.
This strategic collaboration between BFA and Palantir Technologies Inc. (NASDAQ:PLTR) is aimed at powering high-velocity shipbuilding, maintaining a strong fleet, and rebuilding American maritime superiority. The company’s powerful Warp Speed manufacturing operating system isn’t something hidden, and when combined with deep industrial insight and field-tested technology, we can expect something extraordinary.
The overall aim of this project is to accelerate shipbuilding modernization by making the initial moves to better connect the network of shipbuilders, suppliers, and key partners accountable for building and sustaining the Navy’s fleet. Initiatives like these underscore a renewed model of public-private collaboration.
Palantir Technologies Inc. (NASDAQ:PLTR) is a Colorado-based builder of software platforms for the intelligence community to aid in counterterrorism investigations and operations. With a presence across the United States, the United Kingdom, and the globe, the company provides Palantir Gotham, Palantir Foundry, Palantir Apollo, and Palantir Artificial Intelligence Platform.
While we acknowledge the potential of PLTR to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than ATOS and that has 100x upside potential, check out our report about this cheapest AI stock.
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