there is a no risk investment of 10k a year, with I-bonds.
right now the interest is over 9 percent. it is tied to inflation and changes every 6 months.
if you don't need it for over a year it is a good place to park money you don't "need" but don't want to risk either.
worst case it makes 0, but you can't lose money in it.
You can also put any tax return of $5000 or less into them. That is in addition to the $10,000 max per year you can purchase otherwise. I've heard of someone overpaying their taxes just for this purpose.
