Where should I put 10k right now? I do not have the time to monitor stocks and it's too high-risk for me so that's a no-go. Preferably a place where my capital will not decrease. I recently saw SSB and wonder if that's the best place right now?

ETFs via DCA

If you can put the money away for more than 5 (better 10) years you could consider: VT or VOO (ETFs)

You can try buying an endowment. Occasionally insurance companies will launch an endowment plan with high interest (e.g. 2.3% to 2.5%) but you'd need to lock it in for 3 to 5 years or longer. This is capital guaranteed so it will address your concern of losing capital.

For capital guaranteed options, I would usually go for SSB, savings account, endownment plans, and fixed deposits.