Safe investments are those investments which have very low level of risks .

It is designed in such a way to protect principal and the returns are low but you do not have to worry that your principal will be lost.
Certain investments are considered safe investments and the secondary interest to provide a reasonable amount of interest.

Having said that it is imperative to say that there is no zero risk investment. Any type of investment faces three types of risk:

* A chance of losing the principal
* Hyperinflation with a loss of purchasing power of the currency
* Risk of illiquidity due to the maturity period being very long.

What should be the amount one should keep in safe investments?

It varies according to the circumstances. The normal practice is to keep 6 months of living expenses in safe investments. If you are in a job where the risk of retrenchment is high you can keep more in the form of safe investments. Similarly one should keep more amount aside for safe investments especially if you are retiring or reaching the age of superannuation.

Another question which comes in the mind of investor when he goes for safe investment is how much will be the returns from such investments. You can find it by asking for the charts which are available with all financial institutions which deal in such instruments of safe investments. The precautions you need to take while making safe investment is learn how to avoid bad investments. Bad investments can be avoided by regularly updating yourself by going through the market reviews. Post retirements benefits also can be included in the class of safe investments. How guaranteed is the Retirement plan? It all depends on the source from where the guarantee comes.  The primary sources are social security, pension plans, and annuities which are the safest and till date have never defaulted.

Listed below are different safe investments:

1. Bank Savings Accounts
It is an account that is responsible for holding money which a person can access from time to time by withdrawal from the branch or the ATM. Banking saving accounts give a very low level of interest. There are also limits of withdrawal in certain banks in a month.

2. Certificates of Deposit

Certificates of Deposit is one of the safest form of investment and the CD can be en-cashed after maturity. Premature en-cashment option is also available in certain CD's though the returns are low but still more than the savings bank account.

3. Government Issued Securities

Investments issued by the National Government  like Series EE/E or I Savings Bond as well as Treasury Bonds, Notes and Bills are considered very safe. An investor can purchase such safe investments by opening an account in his name in the Treasury. One can invest as little as $25 for savings bonds and $100 for Treasury Bonds, Notes and Bills.

4. Money Market Accounts

Though not as safe as government sponsored investment instruments but still secure enough to park your money.