Passive money income means that one will have to deploy cash in those instruments where returns may not be phenomenal, however one will also bearing lesser amount of risk. Thus it is correct that higher the risk, higher is the returns.

One can for safer returns can turn to fixed deposits, however the inflation will eat into the savings. One has to remember that stock market over the years has given phenomenal returns over a long period of investment and thus one can safely go for higher dividend paying companies which will provide safer returns year after year and will also appreciate with time in price value.
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