Which investment is typically NOT classified as high risk?

Savings accounts are typically not classified as high risk because they are insured by the Federal Deposit Insurance Corporation (FDIC) in the United States, which protects depositors' funds up to a certain limit. This insurance means that the principal amount deposited in savings accounts is secure and not subject to market fluctuations, making it a stable and low-risk place for individuals to store their money.

In contrast, futures contracts, stocks, and cryptocurrencies are considered higher risk investments. Futures contracts involve agreeing to buy or sell an asset at a future date at a predetermined price, which can lead to significant financial losses if the market moves unfavorably. Stocks represent ownership in a company and can be volatile, subject to market conditions and company performance. Cryptocurrencies are notoriously unstable and can experience drastic price swings in short periods, contributing to their classification as a high-risk investment.