Investing with low risk and higher returns is a common goal for many investors. However, it's important to note that the potential for higher returns usually comes with an increased level of risk. Here are some tips for investing with low risk and higher returns:

• Diversify your portfolio: Diversification is key to reducing risk in your investment portfolio. Invest in a mix of different asset classes, such as stocks, bonds, and mutual funds, to spread out your risk.
• Invest in blue-chip stocks: Blue-chip stocks are well-established companies that have a track record of steady growth and strong financials. These stocks are considered to be less risky than smaller, less-established companies.
• Invest in mutual funds: Mutual funds are a good way to invest in a diversified portfolio of stocks and bonds. Look for funds that have a good track record of consistent returns and a low expense ratio.
• Invest in index funds: Index funds are a type of mutual fund that tracks a particular stock market index, such as the S&P 500. These funds are considered to be low risk and can provide good returns over the long term.
• Consider fixed-income investments: Fixed-income investments, such as bonds and certificates of deposit (CDs), can provide a steady income stream with low risk. Look for high-quality bonds with a good credit rating to minimize risk.
• Invest for the long term: Investing for the long term can help minimize risk and maximize returns. Avoid short-term trading and focus on a buy-and-hold strategy.
• Consult with a financial advisor: A financial advisor can help you create an investment plan that aligns with your goals and risk tolerance. They can also help you identify low-risk investment opportunities that can provide higher returns.

In summary, investing with low risk and higher returns requires a balanced approach and a long-term perspective. Diversification, investing in blue-chip stocks, mutual funds, index funds, fixed-income investments, and consulting with a financial advisor are all good strategies for achieving this goal.