If you are looking for 1% low reward with low risk your best bet is banks. If your country is not giving you 1% a month than you can look for trading bots like gunbot and CAT.
If you bank is giving you a 13% return I believe there is also a pretty high inflation rate in your country.
Pure curiosity, what country it is?
I have a feeling that 10 000 usd will buy at least 5-6 % more of your currency at the end of the years compared to the start.
In an unstable economy, where the government has to borrow money from people through banks, the safety of your money is not guaranteed. I'd prefer to have Bitcoins.