if you want to make a risk-free investment then invest in charity its an eternal investment that can’t go bad & the stocks always go up, you don’t need to check on wall street every day where its holding you know already it went up in value. It also stays with you forever, while all other money is not even worth counterfeit once a person is niftar & heads to the olam Haemes its totally worthless paper.
May hashem give you Hatzlacha to make the right desicion