What would be a low risk and low cost investment tool?

I'm aware of CD accounts, Savings accounts, and Money market accounts are low risk, low gain investments. Are there any other investments that will yield a better return?

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Sharebuilder.com is the best place for you to start if you want to do stocks. Many mutual funds can accept monthly investment plans, and some will allow you to start with as little as $50.

If you pick a basic mutual fund, you're probably as safe there as anywhere. It won't be a world-beater, but it will be a great place to start until you build up your dollars.

Identify good business with great prospects and invest as private equity investor, if the idea interests you.

Or such businesses even give high interests, but be sure your investment is sufficiently protected.

Contact me privately if you're interested; I have one such opp.

1. Bonds in blue chip companies
2. Government issued debt securities (North American and and some European governments)

You didn't mention any specific risk level, so I list them from low to high here:

Long term bond fund - 4 to 5%
Balanced fund - 5 to 7%
Large cap stock fund - 10.5%
Small cap stock fund - 11.5%