investment, stock, business best option?

Where should you put your money into? Some people put money into business, or investment ( stock, bond, cd, ... ).
My understanding is if you put money into business or investment you could earn 0 to 20%+ return rate. But you could lose the money you put into the investment. Safe company Stock investment is like the between the risky high return and no risk low return investment. You can lose your stock investment when the company have a hurricane disaster or is bankrupt. Some raw material trade you can buy too. The raw material are metal,plastic,wood,cow,gold,silver,.... I believe they are much easier to trade and safer. Some Product in the bank has 0-10 return rate but you can also lose money because of high return rate. Another options is if you are willing to learn and research on something you like, you should try to open a business or store. Open a store can be a challenge but it could be rewarding.
what is your opinion for investment, stock, business?
thank you,