Arguably gambling.

GICs then!

Edit: looks like GICs are only guaranteed up to $100,000.

But honestly if you consider stocks and bonds to be gambling then you could really argue that buying anything is a gamble. Buy $100 million worth of onions and the price will go up due to scarcity, then try to sell them. Someone actually did this years ago and made a ton of money while bankrupting a lot of farmers and investors. The government responded by banning the trading of onion futures!

All this is to say it’s actually impossible to fulfill the genie’s rules if you take into account market fluctuations on the price of anything you buy.

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