mutual fund, or ETF fund.

Stock is too risky for you from your words.

Thousands of MFs and 267 ETFs.

The number one things are (in my idea):

1) What is your risk factor? (do you mind lost 20% in 6 month? how that will affect you? do you count on the money to buy bread, milk and house? One thing: be very careful when you invest the very hard earned money)

2) What is your time line? (how long you want to keep it invested?)

3) Do you have patience? (do you feel comfortable to watch your money lose 400$ per day for consecutive 3 days and do nothing? (I had that bad experience last month.)

Just my 2 cents.

Retail structured notes 也许适合你的要求。这种NOTE一般保证不亏，而且还可以参与STOCK　MARKET的UPSIDE。

例：a 2-year principal protection note linked to S&P 500 Index return, paying 3% interest.

If the S&P 500 Index goes down, you still get (principal + 3% interest)

If the S&P 500 Index goes up, you get principal + a return based on S&P 500 performance

The catch: 因为你得到了DOWNSIDE　PROTECTION，所以一般UPSIDE　GAIN会比直接投资低（通常参照发行方设定的公式）。It works like (zero-coupon notes + call option)，发行方赚中间的一点差价。

Minimum investment from $1,000 to $10,000. Be careful of all the fees or commission that could come with it.

It doesn't suit adventurous investors, but could be good for risk-averse ones.