If we want to change180,000 into 250,000, the annual rate of return should be above 35%.

Theoretically, there are several ways to achieve this goal:

1. Short-term stocks.

2. Gold investment.

3. Futures investment.

4. Real estate speculation.

But you have too many restrictions, stocks are afraid of high risks, and your money for gold futures is not enough to enter the market. As you said, investment projects are risk-free and have high interest. I can tell you frankly, no.

Risk is accompanied by high returns, and low risk equals low returns. There are so many cheap things.

You don't know anything about investment, learn first. Don't send hard-earned money to Shui Piao.

There is personal financing or private enterprise financing in the society, and the annual interest rate is as high as 15-20%. The risk is greater.

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So you only have a price difference of about 20 thousand. During the three-year period, it is enough to work hard and earn some extra money, so you don't have to take risks to invest.

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Plus: Your plan is to buy a house in 2-3 years. Will the house prices at that time still be these? Is the down payment of 250,000 enough?