People who suggest @OP to stake his coins is wrong, staking is earning small amount of
coins by taking big risk since smart contract is vulnerable and the centralized site can get hacked, so the @OP would lose all of his coins.
Preferably, my capital would be protected, and the potential for growth would work well for me.
Nothing, if you want your capital would be protected, the answer is time deposit since FDIC will give you assurance in case if the bank collapse, but there's no potential growth since fiat value will keep declining.