You are an investor who does not wish to take up any risk, that is, you are not happy to invest where your capital could be lost.
Therefore, your priority is to safeguard your capital. You are prepared to forego higher returns for peace of mind of knowing your capital is ‘safe’. As such, you prefer that your capital is guaranteed, as much as possible. Returns are likely to be based on prevailing interest rates, which may or may not keep pace with inflation.