What are altcoins that are low-risk? Coins that would have 3-5% growth per annum?
RISK is inversely proportional to GAIN.
I suggest you diversify and get several each of; low, med, high risk coins. They will buffer your portfolio from the expected rise and fall of crypto value.
If you do your research, you will find several coins that made 1,000% gain the past year. Some made 1,000% gain in 6 months! While they are not that easy to spot early...you can catch them after the initial pump if you are diligent enough. Better yet, do a good research and join choice ICOs (careful, there are many scam there and even good ones sometimes fails) so don't throw too much money in them unless it have all the right "ingredients for success" (good project, good dev team, positive community support/reaction, etc.).
Good luck!