There is no investment instrument that combines high yield and reliability with good liquidity. But it is possible to invest with an optimal balance between these characteristics.

How to choose?

It all depends on your financial goals. For example, to form a financial safety cushion you need highly liquid, reliable, but less profitable instruments. When building a pension program, you can increase the share of high-yield products in the portfolio. If you have free money and a desire to take risks, you can try currency transactions (but there is nothing to do here without experience) or make bets on raw materials.

Reliability

Reliability is the ability of an investment to withstand risks. The higher the reliability, the more likely to get the planned income and not to lose the invested funds. For example, stocks and bonds of companies in developing countries may generate more income, but they are more risky due to political or economic instability.

Liquidity

Liquidity is the ability of an asset to be sold without loss of value, i.e. at a price close to market value. A term deposit in a bank can be withdrawn instantly, while it is sometimes quite difficult to sell real estate for the desired price: an apartment is an asset with low liquidity.

Yield

The yield of an instrument can be called the change in the value of money over time. The yield consists of two components: possible appreciation of the asset itself (for example, growth in the value of a share) and current income (interest rate on the deposit).