Can you think of safe investments rhst can offer 10% annually in monthly payments while safeguarding principal

Investing with a target return of 10% annually while safeguarding the principal is challenging, particularly in today's financial environment where such returns often carry higher risk. However, here are some options to consider:

**Dividend-Paying Stocks or Funds**: While stocks can be volatile, some established companies offer high dividend yields. Exchange-Traded Funds (ETFs) focused on high dividend stocks might provide a more diversified approach. However, while dividends can provide income, there is no guarantee of principal protection.

**Real Estate Investment Trusts (REITs)**: Some REITs provide attractive dividends, often in the 8-10% range. These companies generate income from real estate properties and usually distribute a large portion of their earnings as dividends. However, REITs can be subject to market fluctuations and may not fully safeguard the principal.

**Peer-to-Peer Lending**: Platforms like Prosper or LendingClub allow you to lend money directly to individuals or small businesses, potentially offering high returns. While they can yield high interest rates, they carry significant risk regarding defaults.

**Fixed Annuities**: Fixed annuities can offer guaranteed returns and regular payments, but they typically do not reach 10% annually. It's important to compare contracts as returns can vary widely.

**High-Yield Corporate Bonds**: Investing in corporate bonds from solid companies can offer higher returns, but they also come with risks, including interest rate risk and the risk of default.

**Investing in Quality Municipal Bonds**: Some municipal bonds offer competitive interest rates, often tax-free, which can effectively yield higher returns based on your tax bracket. 

**Income Generating Alternative Investments**: Opportunities in crowdfunding or private equity might yield high returns, but these are usually higher risk and less liquid.

**Real Estate**: Directly investing in rental properties can provide substantial returns through rental income, along with property appreciation over time. This option requires management and comes with market risk, but with careful selection, it can stabilize cash flows.

When considering these options, it’s crucial to do your research and evaluate how much risk you are willing to accept. Consult with a financial advisor to align your investment choices with your financial goals and risk tolerance. Remember that higher yields typically come with higher risks and that it's hard to achieve a consistent 10% return without exposing your principal to some level of market risk.