Given the volatile nature of the stock market, it's easy to be scared of investing, but doing so can payoff in the long term. In short, it's always better to select investment opportunities that help you avoid paying taxes and put your money into something that will earn more interest than your standard savings account. There are many low-risk options for people who don't want to chance the stock market, but still hope to make dividends. Investment opportunities are numerous, so it's usually best to meet with an expert to identify the options that best suit your needs. A few of the selections are 401(k) retirement plans, futures, mutual funds, Roth IRAs, CDs, stocks and bonds. Some investment plans charge penalties if you take funds out before retirement, however, so make sure you still have plenty of savings available in an accessible format for emergencies.