The second primary concern of an investor is the riskiness of the assets. Generally, the greater the expected rate of return, the greater the risk. The chances of doing so are likely to be very low however. Thus, a key concern of investors is how to manage the tradeoff between risk and return. Insurance companies need to have assets which are fairly liquid in the event that they need to pay out a large number of claims.
Banks have to stand ready to make payout to depositors etc.