Just as there are so many types of investments out there, investing in bank products and cds is a great way to make money with little risk. A cd is a bank product where you agree to loan the bank a specific amount of money for a specific amount of time. After this you would get some amount of percentage. People do not like going for this kind of investment simply because besides the fact that it has low risk, the returns are also very low hence people do not want it.