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کم‌ریسک

B2 adjective 9 min read

کم‌ریسک

Q: Can I use 'کمریسک' for a person?

Yes, you can say someone has a 'شخصیت کمریسک' (low-risk personality), meaning they are very cautious.

Q: How do I write it correctly?

It is best written with a ZWNJ (half-space): کمریسک. Writing it as one word (کمریسک) or two (کم ریسک) is also seen but less formal.

Q: Is 'کمریسک' formal?

It is neutral to formal. In very formal Persian, 'کممخاطره' might be preferred.

Q: Is it the same as 'safe'?

Mostly, but 'safe' in English is broader. 'کمریسک' is specifically about the level of risk.

Practice it Examples Notes & Tips کم‌ریسک in 30 Seconds

Explanation کم‌ریسک in your Level:

At the A1 level, you don't need to worry about complex financial terms, but you should know that 'کم' (kam) means 'little' or 'low'. You might see 'ریسک' (risk) and recognize it from English. At this stage, just understand that 'کم‌ریسک' means something is not very dangerous. It is like saying 'it is okay' or 'it is safe'. You can use it to describe a simple game or a safe choice. Think of it as the opposite of 'big danger'. Even though it's a B2 word, the parts 'kam' and 'risk' are easy for beginners to identify. You will mostly hear it in very simple sentences about money or safety.

At the A2 level, you are starting to build compound words. You know 'کم' (low) and 'زیاد' (much). You can start using 'کم‌ریسک' to describe simple things like a 'safe job' (شغل کم‌ریسک) or a 'safe way' (راه کم‌ریسک). You should practice the 'Ezafe' connection: 'Rahe kam-risk'. You are also learning that Persian uses many loanwords from English, and 'risk' is one of them. This makes the word easier to remember! At this level, focus on using it to describe your daily choices or preferences in a simple way, like saying 'I like low-risk hobbies.'

At the B1 level, you can use 'کم‌ریسک' in more specific contexts like talking about your education or work. You should be able to compare two things using 'کم‌ریسک‌تر' (lower risk). For example, 'Studying is lower risk than starting a business.' You are beginning to understand that this word is preferred in professional settings over simpler words like 'safe'. You should also be aware of its antonym 'پرریسک' (high-risk). At this stage, you can use it to give advice to friends or explain your decisions in a more nuanced way during a conversation.

At the B2 level, which is the target level for this word, you should use 'کم‌ریسک' fluently in technical and abstract discussions. You understand its role in finance (سرمایه‌گذاری کم‌ریسک), medicine (عمل جراحی کم‌ریسک), and social strategy. You know the difference between 'کم‌ریسک' (calculated low risk) and 'بی‌خطر' (physically harmless). You can use it in writing to argue for a specific policy or strategy. You are comfortable with the ZWNJ (half-space) in writing and the correct stress on the last syllable in speaking. You can also use it to describe someone's personality or a team's playing style in sports.

At the C1 level, you use 'کم‌ریسک' to navigate complex socio-economic nuances. You might use it to discuss 'low-risk diplomacy' or 'conservative fiscal policies'. You are expected to use synonyms like 'کم‌مخاطره' in formal writing to vary your vocabulary. You understand the cultural weight of being 'low-risk' in Iranian society and can discuss the pros and cons of this mindset in a debate. You can use the word in sophisticated metaphors and understand when it is being used sarcastically to describe someone who is too afraid to take any chances in life.

At the C2 level, 'کم‌ریسک' is just one tool in a very large toolbox. You can distinguish between 'کم‌ریسک', 'محافظه‌کارانه', 'امن', and 'پایدار' with precision. You can write academic papers on risk management using this terminology. You understand the historical evolution of how 'risk' entered the Persian language and how it replaced older terms. You can interpret high-level political speeches where 'کم‌ریسک' might be used to signal a specific strategic shift. Your use of the word is indistinguishable from a highly educated native speaker, including the subtle intonations that convey confidence or skepticism.

Practice it Examples Notes & Tips

کم‌ریسک in 30 Seconds

A compound adjective meaning 'low-risk', formed from Persian 'kam' (little) and the loanword 'risk'.
Primarily used in finance, medicine, and professional strategy to describe safe, conservative options.
Follows standard Persian adjective rules, requiring an Ezafe when following a noun.
Commonly contrasted with 'por-risk' (high-risk) and is a more technical alternative to 'bi-khatar' (harmless).

The Persian word کم‌ریسک (pronounced 'kam-risk') is a compound adjective that has become increasingly essential in modern Persian, particularly within the spheres of finance, professional decision-making, and lifestyle choices. It is formed by combining the Persian word کم (meaning 'little' or 'low') with the loanword ریسک (risk), which entered Persian through French and English influence. In a literal sense, it describes any action, investment, or situation where the probability of loss, failure, or negative consequences is statistically or perceived to be low. For an English speaker, the nuances are very similar to 'conservative' or 'safe' in a professional context.

Financial Context: In the world of banking and the Tehran Stock Exchange, a سرمایه‌گذاری کم‌ریسک (low-risk investment) refers to assets like government bonds or fixed-deposit accounts where the principal is protected. Professionals use this to distinguish between aggressive growth and capital preservation.

بسیاری از بازنشستگان به دنبال راه‌های کم‌ریسک برای حفظ ارزش پول خود هستند.

Many retirees look for low-risk ways to preserve the value of their money.

Beyond money, the word applies to health and safety. For instance, a medical procedure might be described as کم‌ریسک if the survival rate is high and complications are rare. It reflects a mindset of caution and stability. While younger generations in Iran are increasingly entrepreneurial and risk-tolerant, the traditional cultural value often leans toward کم‌ریسک paths, such as government employment or stable professions like medicine and engineering.

Social Usage: When discussing a new business venture or even a travel route, Persians use this word to reassure others. If someone says 'این مسیر کم‌ریسک است,' they are suggesting that the path is safe and free from trouble.

انتخاب یک شغل دولتی معمولاً یک تصمیم کم‌ریسک محسوب می‌شود.

Interestingly, the word 'risk' in Persian carries the exact same weight as in English, but the compounding with 'kam' makes it feel more formal than simple words like 'safe' (امن). It implies a calculation has been made. It is not just about being safe; it is about the probability of failure being mathematically or logically low.

Comparative Analysis: Compared to 'بی‌خطر' (bi-khatar - without danger), 'کم‌ریسک' is more modern and often refers to systems and outcomes rather than immediate physical danger. You wouldn't call a sharp knife 'کم‌ریسک,' but you would call a conservative stock portfolio 'کم‌ریسک.'

استراتژی کم‌ریسک تیم فوتبال باعث شد بازی با تساوی تمام شود.

Finally, the word is often heard in news broadcasts regarding diplomacy or economic policies. A 'low-risk approach' in foreign policy indicates a cautious, non-confrontational stance. Understanding this word helps learners navigate professional conversations in Iran, where managing expectations and safety is a key part of the collective culture.

Using کم‌ریسک correctly requires understanding its placement as an adjective. In Persian, adjectives typically follow the noun they modify, connected by the 'Ezafe' (the short '-e' sound). For example, 'A low-risk plan' becomes نقشه‌ی کم‌ریسک (Naghshe-ye kam-risk). It is a versatile word that functions well in both formal writing and spoken conversation.

Attributive Usage: When modifying a noun directly, ensure the Ezafe is clearly pronounced. 'Low-risk method' is روشِ کم‌ریسک. This is the most common way to use the word in business reports or academic papers.

ما به یک طرح کم‌ریسک برای توسعه‌ی شرکت نیاز داریم.

We need a low-risk plan for the company's development.

As a predicative adjective (coming after 'to be'), it describes the subject. 'This investment is low-risk' translates to این سرمایه‌گذاری کم‌ریسک است. Note that unlike some English adjectives, کم‌ریسک does not change its form based on gender or number, as Persian lacks grammatical gender.

Comparative and Superlative: To say 'lower risk', add '-tar' (کم‌ریسک‌تر). For 'the lowest risk', add '-tarin' (کم‌ریسک‌ترین). For example: 'This is the lowest-risk option' -> این کم‌ریسک‌ترین گزینه است.

خرید طلا در درازمدت معمولاً کم‌ریسک‌تر از بورس است.

Buying gold in the long run is usually lower risk than the stock market.

In more complex sentences, کم‌ریسک can be used within adverbial phrases. For instance, 'Choosing a low-risk path...' becomes با انتخاب یک مسیر کم‌ریسک.... It is also often paired with words like بسیار (very) or نسبتاً (relatively) to quantify the level of risk.

Negative Constructions: To say something is 'not low-risk', you use کم‌ریسک نیست. However, Persians often prefer the direct antonym پرریسک (high-risk) to emphasize the danger.

این دارو برای بیماران قلبی چندان کم‌ریسک نیست.

Contextual usage also extends to behavioral descriptions. If you describe a person as having a شخصیت کم‌ریسک, you mean they are cautious, perhaps even risk-averse. This is a common way to describe conservative managers or careful drivers. Using the word in this way shows a high level of fluency, as it moves beyond literal financial definitions into psychological profiling.

The term کم‌ریسک is ubiquitous in specific environments in Iran. If you are in Tehran and walk into a branch of Bank Melli or Bank Pasargad, you will likely see this word on brochures describing savings accounts or mutual funds. Bankers use it to reassure customers who are wary of inflation and market volatility.

Media and News: On news channels like IRINN or BBC Persian, economic analysts frequently use 'کم‌ریسک' when discussing the global oil market or national budget allocations. They might discuss 'سیاست‌های کم‌ریسک' (low-risk policies) during times of economic sanctions.

گزارش‌ها نشان می‌دهد که سرمایه‌گذاران به سمت دارایی‌های کم‌ریسک حرکت کرده‌اند.

Reports show that investors have moved toward low-risk assets.

In the tech and startup scene in Iran (centered around places like Pardis Technology Park), the word is used during 'pitch decks'. Founders might argue that their business model is کم‌ریسک because they have already secured a large user base. Here, it is a buzzword used to attract conservative 'Angel Investors'.

Medical Consultations: Doctors in Iran often use this word to talk about surgery. A patient might ask, 'آیا این عمل کم‌ریسک است؟' (Is this surgery low-risk?). The doctor’s affirmative answer is a standard way to provide psychological comfort to the family.

پزشک تأکید کرد که این روش درمانی بسیار کم‌ریسک و موثر است.

In everyday life, parents use it when talking about their children's future. A common piece of advice in Iranian households is to choose a 'کم‌ریسک' career path—one that guarantees a monthly salary and insurance, rather than the 'پرریسک' path of the arts or independent freelancing. This cultural preference for stability makes the word a cornerstone of generational dialogues.

Online Shopping: On platforms like Digikala, reviews might mention that buying a certain brand is a 'کم‌ریسک' choice because of its long warranty and reputation for quality. It basically means 'you won't regret this purchase.'

One of the most frequent mistakes learners make with کم‌ریسک is confusing it with بی‌خطر (bi-khatar). While they are related, they are not interchangeable. بی‌خطر means 'harmless' or 'without danger' and is usually applied to physical objects or animals (like a harmless snake). کم‌ریسک, however, implies a calculated probability. You wouldn't say an investment is بی‌خطر because no investment is truly without danger; you say it is کم‌ریسک.

Grammar: The Ezafe Trap: Many students forget the Ezafe when using the word as an adjective. They might say 'سرمایه‌گذاری کم‌ریسک' but forget to pronounce the '-e' at the end of 'sarmayeh-gozari'. This makes the sentence sound fragmented and amateurish.

Incorrect: این یک راه کم‌ریسک است. (Missing the Ezafe sound in speech)
Correct: این یک راهِ کم‌ریسک است.

Another mistake is using the word 'کم' separately in a way that breaks the compound meaning. For example, saying 'ریسک آن کم است' (Its risk is low) is perfectly correct, but trying to use 'کم' as a prefix without the ZWNJ or proper spacing can lead to reading difficulties. In modern Persian, 'کم‌ریسک' is viewed as a single lexical unit.

Pronunciation Errors: Learners often over-pronounce the 'k' in 'risk' or misplace the stress. The stress in 'کم‌ریسک' should be on the last syllable: 'kam-RISK'. Also, ensure you don't add an extra vowel between 's' and 'k'. It's not 'ri-sek', it's 'risk'.

اشتباه: این معامله کم‌خطر است. (Usually used for physical danger)
درست: این معامله کم‌ریسک است.

Finally, avoid using 'کم‌ریسک' for things that are binary (either dangerous or not). Use it for things that exist on a spectrum. A light switch is not 'کم‌ریسک', it either works or it doesn't. A business strategy, however, exists on a spectrum of risk, making 'کم‌ریسک' the perfect descriptor.

While کم‌ریسک is the standard term in modern and financial Persian, there are several alternatives depending on the register and the specific type of 'safety' you want to convey. Understanding these synonyms will help you sound more like a native speaker and allow you to choose the exact shade of meaning required for your context.

محافظه‌کارانه (Mohāfeze-kārāne): This means 'conservative'. While 'کم‌ریسک' describes the action, 'محافظه‌کارانه' often describes the approach or the person. For example, a 'conservative estimate' is تخمین محافظه‌کارانه. It implies a deliberate choice to avoid risk.

مطمئن (Motma'en): This means 'sure' or 'reliable'. If you say an investment is 'مطمئن', you are emphasizing your confidence in it. It is more emotional and less mathematical than 'کم‌ریسک'.

او همیشه به دنبال یک راه مطمئن برای موفقیت است.

He is always looking for a reliable way to succeed.

In formal literature, you might encounter کم‌مخاطره (kam-mokhātere). This is a more 'Persian' way of saying low-risk, using the Arabic-derived word 'mokhātere' (hazard/risk) instead of the European 'risk'. It sounds very sophisticated and is common in high-end journalism or classical-style essays.

امن (Amn): Meaning 'safe' or 'secure'. Use this when talking about physical security or cybersecurity. A 'safe password' is an گذرواژه امن, not a 'low-risk' one.

سرمایه‌گذاری در مسکن یک گزینه‌ی کم‌مخاطره تلقی می‌شود.

Finally, the term پایدار (pāydār - stable) is often used as a synonym in economic contexts. A 'low-risk income' is often called درآمد پایدار. While not exactly the same, they both convey the idea of something you can count on without fear of sudden loss.

How Formal Is It?

Fun Fact

While Persian has many words for 'danger' (khatar, bim), the word 'risk' was adopted specifically for modern financial and statistical concepts.

Pronunciation Guide

UK /kæm rɪsk/

US /kæm rɪsk/

The primary stress is on the last syllable: kam-RISK.

Rhymes With

فیکس (fix) میکس (mix) کم‌فیکس آنتریک پیک شیک نیک تیک

Common Errors

Pronouncing it as 'kam-ri-sek' (adding a vowel between s and k).
Stress on the first syllable 'KAM-risk'.
Forgetting the Ezafe sound when used before another word.
Pronouncing 'kam' like 'come'.
Softening the 'k' at the end too much.

Difficulty Rating

Reading 2/5

Easy to read as it uses a familiar loanword 'risk'.

Writing 3/5

Requires knowledge of ZWNJ (half-space) for proper orthography.

Speaking 2/5

Pronunciation is straightforward for English speakers.

Listening 2/5

Clearly audible in financial or news contexts.

What to Learn Next

Prerequisites

کم خطر زیاد پول کار

Learn Next

پرریسک سرمایه‌گذاری بورس اوراق قرضه ریسک‌پذیری

Advanced

مخاطره محتاطانه ضمانت نوسان پرتفوی

Grammar to Know

Ezafe Construction

طرحِ کم‌ریسک (The safe plan)

Compound Adjectives

کم (low) + ریسک (risk) = کم‌ریسک

Comparative Adjectives

کم‌ریسک‌تر (Lower risk)

Superlative Adjectives

کم‌ریسک‌ترین (Lowest risk)

Adjective placement

In Persian, adjectives usually follow the noun.

Examples by Level

این بازی کم‌ریسک است.

This game is low-risk.

Simple subject + adjective + verb 'to be'.

پول کم‌ریسک خوب است.

Low-risk money is good.

Noun + adjective (missing ezafe in simple thought).

راهِ کم‌ریسک کجاست؟

Where is the low-risk path?

Question form with Ezafe.

این کار کم‌ریسک نیست.

This task is not low-risk.

Negative form of 'to be'.

من شغلِ کم‌ریسک می‌خواهم.

I want a low-risk job.

Direct object with Ezafe.

برادرِ من کم‌ریسک است.

My brother is low-risk (cautious).

Describing a person's character.

آیا این میوه کم‌ریسک است؟

Is this fruit low-risk (safe to eat)?

Question particle 'aya'.

امروز هوا کم‌ریسک است.

The weather is low-risk (safe) today.

Using the word to describe environment.

سرمایه‌گذاری در بانک کم‌ریسک است.

Investing in the bank is low-risk.

Prepositional phrase + subject + adjective.

ما به یک نقشه‌ی کم‌ریسک نیاز داریم.

We need a low-risk plan.

Indefinite 'ye' + Ezafe.

این ورزش برای شما کم‌ریسک‌تر است.

This sport is lower risk for you.

Comparative form with '-tar'.

او همیشه کارهای کم‌ریسک انجام می‌دهد.

He always does low-risk things.

Plural noun + adjective.

آیا سفر با قطار کم‌ریسک است؟

Is traveling by train low-risk?

Noun phrase as subject.

این دارو کم‌ریسک و مفید است.

This medicine is low-risk and useful.

Compound adjectives with 'va' (and).

من دنبالِ یک خانه‌ی کم‌ریسک می‌گردم.

I am looking for a low-risk (safe) house.

Present continuous tense.

خریدِ این ماشین کم‌ریسک نیست.

Buying this car is not low-risk.

Gerund (noun of action) as subject.

در شرایط فعلی، خرید طلا کم‌ریسک‌ترین گزینه است.

In current conditions, buying gold is the lowest-risk option.

Superlative form with '-tarin'.

او به دلیل شخصیت کم‌ریسکش، هیچ‌وقت قمار نمی‌کند.

Because of his low-risk personality, he never gambles.

Possessive suffix '-ash' on the adjective.

پزشکان می‌گویند این جراحی نسبتاً کم‌ریسک است.

Doctors say this surgery is relatively low-risk.

Use of the adverb 'nesbatan' (relatively).

آیا فکر می‌کنید این استارتاپ کم‌ریسک باشد؟

Do you think this startup is low-risk?

Subjunctive mood 'bashad' after 'fekr mikonid'.

مدیر شرکت یک استراتژی کم‌ریسک را انتخاب کرد.

The company manager chose a low-risk strategy.

Direct object marker 'ra'.

پس‌انداز کردن پول همیشه یک اقدام کم‌ریسک محسوب می‌شود.

Saving money is always considered a low-risk action.

Passive-style verb 'mohsoub mishavad'.

بسیاری از مردم از روش‌های کم‌ریسک برای مهاجرت استفاده می‌کنند.

Many people use low-risk methods for migration.

Plural noun with Ezafe.

این معامله برای هر دو طرف کم‌ریسک به نظر می‌رسد.

This deal seems low-risk for both parties.

Verb 'be nazar residan' (to seem).

تحلیلگران معتقدند که بازار مسکن در ایران یک پناهگاه کم‌ریسک برای سرمایه است.

Analysts believe the housing market in Iran is a low-risk haven for capital.

Complex sentence with 'ke' clause.

اتخاذ یک رویکرد کم‌ریسک در دیپلماسی می‌تواند از تنش‌ها بکاهد.

Adopting a low-risk approach in diplomacy can reduce tensions.

Formal infinitive 'atkhāz' (adopting) as subject.

او با توزیع دارایی‌هایش در صندوق‌های مختلف، سبدی کم‌ریسک ایجاد کرد.

By distributing his assets in different funds, he created a low-risk portfolio.

Gerund-like structure with 'bā' + noun.

در مقایسه با ارزهای دیجیتال، اوراق قرضه بسیار کم‌ریسک هستند.

Compared to cryptocurrencies, bonds are very low-risk.

Comparison structure 'dar moghayese ba'.

این نرم‌افزار یک محیط کم‌ریسک برای آزمایش کدهای جدید فراهم می‌کند.

This software provides a low-risk environment for testing new codes.

Technical terminology.

والدین معمولاً فرزندان خود را به سمت رشته‌های تحصیلی کم‌ریسک سوق می‌دهند.

Parents usually steer their children toward low-risk fields of study.

Causative-like verb 'sugh dadan'.

برخلاف تصور عمومی، این تجارت اصلاً کم‌ریسک نیست.

Contrary to public perception, this business is not low-risk at all.

Use of 'barkhalaf-e' (contrary to).

تیم مربیگری تصمیم گرفت با یک سیستم کم‌ریسک بازی را شروع کند.

The coaching team decided to start the game with a low-risk system.

Compound verb 'tasmim gereftan'.

در بازارهای مالی متلاطم، تمایل به دارایی‌های کم‌ریسک به شدت افزایش می‌یابد.

In volatile financial markets, the inclination towards low-risk assets increases sharply.

Advanced vocabulary like 'motālatom' (volatile).

سیاست‌گذار باید تعادلی میان نوآوری پرریسک و ثبات کم‌ریسک ایجاد کند.

The policymaker must create a balance between high-risk innovation and low-risk stability.

Formal noun 'siyāsat-gozār'.

برخی منتقدان معتقدند که فرهنگ کم‌ریسک در مدیریت دولتی مانع پیشرفت است.

Some critics believe that a low-risk culture in government management hinders progress.

Abstract concept 'farhang-e kam-risk'.

او با زیرکی توانست یک موقعیت پرخطر را به یک فرصت کم‌ریسک تبدیل کند.

With cleverness, he managed to turn a high-risk situation into a low-risk opportunity.

Use of 'ziraki' (cleverness).

این معاهده‌ی بین‌المللی مسیری کم‌ریسک برای همکاری‌های هسته‌ای ترسیم می‌کند.

This international treaty outlines a low-risk path for nuclear cooperation.

Sophisticated verb 'tarsim kardan' (to outline/sketch).

سرمایه‌گذاران خطرپذیر معمولاً از پروژه‌های بیش از حد کم‌ریسک دوری می‌کنند.

Venture capitalists usually avoid overly low-risk projects.

Term 'sarmāye-gozār-e khatar-pazir' (venture capitalist).

در متون کلاسیک، مفهوم کم‌ریسک اغلب با واژه‌ی حزم و احتیاط پیوند خورده است.

In classical texts, the concept of low-risk is often linked with the words 'prudence' and 'caution'.

Literary analysis.

تنوع‌بخشی به سبد سهام، راهکاری کم‌ریسک برای مقابله با تورم است.

Diversifying the stock portfolio is a low-risk solution to combat inflation.

Gerund 'tanovvo-bakhshi'.

پارادایم حاکم بر نظام بانکی، ترجیحِ سیستماتیک برای اعطای وام‌های کم‌ریسک است.

The dominant paradigm in the banking system is a systematic preference for granting low-risk loans.

Academic terms like 'paradigm' and 'systematic'.

تحلیل‌های هستی‌شناختی نشان می‌دهد که هیچ کنشی در جوامع مدرن کاملاً کم‌ریسک نیست.

Ontological analyses show that no action in modern societies is entirely low-risk.

Philosophical register.

دولت با ترویج ابزارهای مالی کم‌ریسک، سعی در مهار نقدینگی سرگردان دارد.

The government, by promoting low-risk financial instruments, attempts to curb wandering liquidity.

Economic terminology 'naghdinegi-ye sargardān'.

روایت‌های داستانی اغلب حول تقابل میان زندگی کم‌ریسک و ماجراجویی‌های خطرناک می‌چرخند.

Fictional narratives often revolve around the contrast between a low-risk life and dangerous adventures.

Literary theory context.

مهندسی معکوس این قطعه، یک پروژه‌ی کم‌ریسک اما زمان‌بر برای بخش تحقیق و توسعه است.

Reverse engineering this part is a low-risk but time-consuming project for the R&D department.

Industrial/Technical context.

در بستر اپیدمیولوژی، واکسیناسیون عمومی به عنوان مداخله‌ای کم‌ریسک و پربازده شناخته می‌شود.

In the context of epidemiology, mass vaccination is recognized as a low-risk, high-yield intervention.

Scientific register.

گذار از اقتصاد سنتی به دیجیتال، مستلزم بازتعریف مدل‌های کم‌ریسکِ کسب‌وکار است.

The transition from a traditional to a digital economy requires redefining low-risk business models.

Advanced noun 'gozār' (transition).

منطقِ کم‌ریسکِ بوروکراسی گاهی منجر به انجمادِ خلاقیت در سازمان‌های بزرگ می‌شود.

The low-risk logic of bureaucracy sometimes leads to the freezing of creativity in large organizations.

Metaphorical usage.

Common Collocations

سرمایه‌گذاری کم‌ریسک

شغل کم‌ریسک

روش کم‌ریسک

دارایی‌های کم‌ریسک

جراحی کم‌ریسک

استراتژی کم‌ریسک

مسیر کم‌ریسک

گزینه کم‌ریسک

رفتار کم‌ریسک

صندوق کم‌ریسک

Common Phrases

یک راه حل کم‌ریسک

— A solution that is unlikely to fail.

ما به یک راه حل کم‌ریسک برای این بحران نیاز داریم.

به شیوه‌ای کم‌ریسک

— Doing something in a safe manner.

او به شیوه‌ای کم‌ریسک رانندگی می‌کند.

کاملاً کم‌ریسک

— Entirely low-risk.

این معامله کاملاً کم‌ریسک به نظر می‌رسد.

نسبتاً کم‌ریسک

— Relatively low-risk.

این دارو برای اکثر افراد نسبتاً کم‌ریسک است.

بسیار کم‌ریسک

— Very low-risk.

خرید اوراق دولتی بسیار کم‌ریسک است.

کم‌ریسک و پرسود

— Low-risk and high-profit (often a marketing cliché).

همه به دنبال سرمایه‌گذاری کم‌ریسک و پرسود هستند.

انتخاب کم‌ریسک

— A safe choice.

این یک انتخاب کم‌ریسک برای آینده است.

طرح کم‌ریسک

— A safe plan.

طرح کم‌ریسک مدیر مورد تایید قرار گرفت.

بخش کم‌ریسک

— The safe part of something.

او در بخش کم‌ریسک بازار فعالیت می‌کند.

آینده‌ای کم‌ریسک

— A stable, safe future.

همه ما به دنبال آینده‌ای کم‌ریسک هستیم.

Often Confused With

کم‌ریسک vs بی‌خطر

Bi-khatar means harmless (physical), while kam-risk means low probability of failure (statistical).

کم‌ریسک vs امن

Amn means secure/safe from threat, while kam-risk means low chance of loss.

کم‌ریسک vs ساده

Sade means simple, which people sometimes confuse with low-risk.

Idioms & Expressions

"آب زیر کاه"

— Not exactly 'low-risk', but describes someone who acts safe/quiet but is actually sneaky.

مواظب او باش، او آب زیر کاه است.

Informal

"بی‌گدار به آب نزدن"

— To not go into the water without a plan (to be low-risk/cautious).

او هیچ‌وقت بی‌گدار به آب نمی‌زند و همیشه کم‌ریسک عمل می‌کند.

Proverbial

"با احتیاط قدم برداشتن"

— To take steps with caution.

در این بازار باید با احتیاط قدم برداشت.

Neutral

"سری که درد نمی‌کند را دستمال نمی‌بندند"

— Don't tie a cloth around a head that doesn't ache (don't take unnecessary risks).

چرا می‌خواهی ریسک کنی؟ سری که درد نمی‌کند را دستمال نمی‌بندند.

Proverbial

"دست به عصا راه رفتن"

— To walk with a cane (to be extremely cautious/low-risk).

او در سرمایه‌گذاری دست به عصا راه می‌رود.

Informal/Idiomatic

"محکم‌کاری کردن"

— To make things extra secure/solid.

برای اینکه معامله کم‌ریسک باشد، محکم‌کاری کردیم.

Informal

"نقد را چسبیدن"

— To stick to the cash (to prefer the low-risk immediate gain).

او همیشه نقد را می‌چسبد و ریسک نمی‌کند.

Informal

"پا جای پای کسی گذاشتن"

— To follow in someone's safe footsteps.

او پا جای پای پدرش گذاشت که راهی کم‌ریسک بود.

Neutral

"دنبال دردسر نگشتن"

— To not look for trouble (to stay low-risk).

من فقط به دنبال یک زندگی آرام هستم و دنبال دردسر نمی‌گردم.

Informal

"کلاه خود را چسبیدن"

— To hold onto one's own hat (to mind one's own business and stay safe).

در این شرایط بهتر است کلاه خودت را بچسبی.

Proverbial

Easily Confused

کم‌ریسک vs کم‌خطر

Sounds similar.

Kam-khatar is used for physical safety (low danger), while kam-risk is for systems and investments.

این جاده کم‌خطر است (The road is safe).

کم‌ریسک vs کم‌مخاطره

Synonym.

Kam-mokhātere is much more formal and literary.

سفری کم‌مخاطره در پیش داشتند.

کم‌ریسک vs محافظه‌کار

Related concept.

Mohāfeze-kār is a person (conservative), kam-risk is the thing (low-risk).

او یک مدیر محافظه‌کار است.

کم‌ریسک vs مطمئن

Often used together.

Motma'en is about trust/certainty; kam-risk is about probability.

از این نتیجه مطمئن هستم.

کم‌ریسک vs پایدار

Often used in economics.

Pāydār means stable/lasting, not necessarily low-risk, though they often overlap.

توسعه پایدار.

Sentence Patterns

این [Noun] کم‌ریسک است.

این بازی کم‌ریسک است.

من یک [Noun] کم‌ریسک می‌خواهم.

من یک شغل کم‌ریسک می‌خواهم.

[Noun] از [Noun] کم‌ریسک‌تر است.

طلا از بورس کم‌ریسک‌تر است.

با توجه به شرایط، [Noun] کم‌ریسک‌ترین گزینه است.

با توجه به شرایط، این طرح کم‌ریسک‌ترین گزینه است.

اتخاذ رویکردی کم‌ریسک در [Field] ضروری است.

اتخاذ رویکردی کم‌ریسک در سیاست خارجی ضروری است.

فرهنگ حاکم بر [Organization] به شدت کم‌ریسک است.

فرهنگ حاکم بر این شرکت به شدت کم‌ریسک است.

آیا این [Noun] کم‌ریسک محسوب می‌شود؟

آیا این معامله کم‌ریسک محسوب می‌شود؟

او به دنبال سرمایه‌گذاری‌های کم‌ریسک و مطمئن است.

Word Family

Nouns

ریسک (risk)

ریسک‌پذیری (risk-taking)

خطر (danger)

Verbs

ریسک کردن (to risk)

خطر کردن (to endanger)

Adjectives

پرریسک (high-risk)

ریسک‌پذیر (risk-tolerant)

بی‌خطر (harmless)

سرمایه

امنیت

احتمال

ضرر

سود

How to Use It

frequency

Common in professional and financial contexts.

Common Mistakes

Using 'کم‌خطر' for investments. → کم‌ریسک
Investments have 'risk', not 'physical danger'.
Saying 'ریسک کم' without the compound. → کم‌ریسک
While 'ریسکِ کم' is okay, 'کم‌ریسک' is the standard adjective form.
Forgetting the Ezafe sound. → روشِ کم‌ریسک
Without the Ezafe, the words don't connect grammatically.
Using 'امن' for a low-risk strategy. → کم‌ریسک
'Amn' is more about security than probability.
Pronouncing it 'ri-sek'. → risk
There is no vowel between the 's' and 'k'.

Tips

The Ezafe

Always remember the '-e' sound (Ezafe) when saying 'Sarmayeh-gozari-ye kam-risk'.

Loanwords

Persian uses many financial loanwords like 'risk', 'profit', and 'budget'. This helps English speakers!

Stability

In Iran, 'low-risk' is often praised because of the volatile economic history.

ZWNJ

Using the half-space makes you look like a pro writer. Use 'Shift+Space' on most Persian keyboards.

Intonation

Stress the 'risk' part. It's the most important part of the compound.

Kam = Little

Just remember 'Kam' is 'Little'. Little Risk = Kam Risk.

Business

Use this word in meetings to suggest safe growth strategies.

Risk vs Danger

Use 'risk' for money/plans and 'khatar' for fire/lions.

News

Watch the economic section of Persian news to hear this word often.

Daily Use

Try to label your daily decisions as 'kam-risk' or 'por-risk'.

Memorize It

Mnemonic

Think of a 'CAM' (camera) recording a 'RISK'. If the camera is small (kam), the risk looks small too. Kam-Risk.

Visual Association

Imagine a person walking on a very wide, low balance beam only 1 inch off the ground. That is a kam-risk activity.

Word Web

Bank Safety Money Caution Investment Stable Plan Conservative

Challenge

Try to find three things in your room that are 'kam-risk' to use, and three that are 'por-risk'.

Word Origin

A modern Persian compound. 'Kam' is from Middle Persian 'kam', and 'risk' is a loanword from French 'risque' or English 'risk'.

Original meaning: Low amount of potential loss.

Indo-European (Persian + European loanword).

Cultural Context

No specific sensitivities; it is a neutral, professional term.

In English, 'low-risk' is often purely technical. In Persian, it can also imply being wise and prudent (ba-tadbir).

Modern Iranian economic podcasts often use this term. Financial columns in 'Donya-e-Eqtesad' newspaper. Insurance commercials on IRIB.

Practice in Real Life

Real-World Contexts

Banking

سود کم‌ریسک
سپرده کم‌ریسک
حساب کم‌ریسک
وام کم‌ریسک

Medical

عمل کم‌ریسک
درمان کم‌ریسک
داروی کم‌ریسک
تشخیص کم‌ریسک

Career

شغل کم‌ریسک
مسیر شغلی کم‌ریسک
استخدام کم‌ریسک
حرفه کم‌ریسک

Sports

بازی کم‌ریسک
تاکتیک کم‌ریسک
دفاع کم‌ریسک
حمله کم‌ریسک

Daily Life

خرید کم‌ریسک
سفر کم‌ریسک
تصمیم کم‌ریسک
انتخاب کم‌ریسک

Conversation Starters

"آیا شما ترجیح می‌دهید سرمایه‌گذاری‌های کم‌ریسک داشته باشید یا پرریسک؟"

"به نظر شما کدام شغل در ایران کم‌ریسک‌ترین است؟"

"چرا بسیاری از مردم به دنبال زندگی کم‌ریسک هستند؟"

"آیا فکر می‌کنید یادگیری یک زبان جدید یک فعالیت کم‌ریسک است؟"

"بهترین راه برای داشتن یک سفر کم‌ریسک چیست؟"

Journal Prompts

در مورد زمانی بنویسید که یک تصمیم کم‌ریسک گرفتید و نتیجه آن چه بود.

آیا زندگی بدون ریسک ممکن است؟ چرا مردم همیشه به دنبال گزینه‌های کم‌ریسک هستند؟

تفاوت بین یک آدم کم‌ریسک و یک آدم ترسو را شرح دهید.

اگر سرمایه زیادی داشتید، چقدر از آن را در کارهای کم‌ریسک می‌گذاشتید؟

نقش تکنولوژی در کم‌ریسک کردن زندگی روزمره ما چیست؟

Frequently Asked Questions

10 questions

No, 'ریسک' is a loanword from European languages (French/English) that is now fully integrated into Persian.

Yes, you can say someone has a 'شخصیت کم‌ریسک' (low-risk personality), meaning they are very cautious.

The most common opposite is 'پرریسک' (high-risk).

It is best written with a ZWNJ (half-space): کم‌ریسک. Writing it as one word (کمریسک) or two (کم ریسک) is also seen but less formal.

Not really, it remains a slightly more professional or adult term, but it is used in casual conversation about money.

Only if you mean the 'risk' of it being bad or causing an allergy. Otherwise, use 'سالم' (healthy) or 'بی‌خطر'.

It is neutral to formal. In very formal Persian, 'کم‌مخاطره' might be preferred.

As an adjective, no. As a noun (the low-risks), you could add 'ha', but it is rare.

Mostly, but 'safe' in English is broader. 'کم‌ریسک' is specifically about the level of risk.

'Risk' implies a choice and a calculated outcome, while 'khatar' implies danger that might be out of your control.