<prompt> Human: Hey reddit! I have the equivalent of 8000 dollars USD sitting in a bank savings account in Romanian Lei RON. Right now Im getting 1.5 interest on my savings account. The bank called me up to offer me mutual funds and this is what theyre offering:RiscName of mutual fund CurrencyTypePerformance 1 monthHistorical Performance 3 years annualized Historical Performance5 years annualized --::--:--:--:--:--2NN L International Romanian Bond Lei RONbonds1,276,676,263NN L US Fixed Income USDbonds-0,520,62,293NN L Euro Fixed Income EURbonds0,254,94,484NN L Patrimonial Balanced EURmixt4,088,977,734NN L First Class Multi Asset EURmixt1,38new fundnew fund4NN L First Class Multi Asset Lei RONmixt1,46new fundnew fund5NN L US High Dividend USDstocks8,818,316,786NN L Euro High Dividend EURstocks9,5714,25,186NN L International Romanian Equity LeiRONstocks2,378,544,176NN L Global Equity Opportunities EURstocks1011,438,2Which one would PF choose? I dont plan on touching that money for the next 2 years and I have roughly 2000 dollars in a separate emergency fund account.Also I have no debt and own my own housecar.Buy in commission for all these is 1.5 of the sum. I assume this is a one time thing. I talked to the bank about the commission and theyre giving me a 0 commission if I sign up by December 31st. Theyre probably meeting quotas.  <response>: I dont plan on touching that money for the next 2 years2 years is a short time horizon in which only low-risk investments are suitable to ensure that you dont lose part of your investment due to normal market fluctuations that could occur during the investing period. The primary goal of investing with a short-term period is capital preservation, not high returns. To get higher returns, youll need to take much higher risk, yet you dont have the time to wait out any short-term downturns. 1.5 might seem to be a low return, and it is, but thats still better than losing money with a negative return if you need to cash out higher risk investments at an inopportune time.You might consider starting a small company as an active investment. Importexport and direct sales of profitable items might be a possibility. Selling convenience items like cannedbottled beverages at high demand locations would be an example. 