No investment is totally risk-free. Beforehand I choose whether to invest my gold for 1% a year and have a risk of losing it when I am back (if you don't agree check my first point here again) or to come back and withdraw money which will be safe in a town with much higher likelihood. I know that I will neither earn anything nor loose it. But again, if you have two stacks of gold it's much easier to earn more in short period of time. In my opinion 1% a year is not a rate at which I would be ready to invest my money.