I have 100k to invest, I’m thinking of placing it into something very safe with returns generating 4-5% annually. Where should I place my funds?

Interesting that you highlighted that you are looking for something "very safe" yet with returns generating 4-5% annually. Because I am a beginner investor myself, and would want be safe when it comes to investing. Hence, have decided to put my money in low-risk investment platforms. Since the pandemic, I have been more focused on looking for financial apps that suits my needs - especially supplementing on how I spend, save and invest my money.

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I am currently using Hugo Save which is a digital account that helps you spend, save & invest, starting with gold. I found investing in gold super interesting particularly as I want my money to grow but without the volatility that comes with investing in high risk options. Based on my research, gold had an average annual returns of 10.61% between January 1971 to December 2019, which shows why having some amount of gold in one's portfolio makes sense. Here's the stats: https://www.statista.com/statistics/1061434/gol...

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Well, it's certainly more returns than what you would get in a bank account. If you are interested in gold, you can give this article a read: https://bit.ly/case4gold

No risk, No gain. If there's something very safe that initially generate 4-5%, it would have been bid up by risk-advserse investors, reducing its yield subsequently