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You might want to consider the following channels of investment. Of course you'll need to do your due diligence first:
1. Partnership in currently operating and successful business that needs to grow and the owner doesn't want to take a bank loan.
2. Partial real estate investment with a group of trusted investors - You can put your money together and buy a studio in Dubai or Ajman or Sharjah for example without having to take any loan and then rent it out and divide the rental income among the investors.
3. You can buy Sukuk for specific projects in Dubai or other gulf countries which can be a medium to long term investment and can get you steady dividends stream annually.
4. Stay away from the stock market. Don't invest there.
5. You can buy farm land which is already cultivated or suitable for cultivation and collect the proceeds seasonally.
6. You can buy one kilo Gold bar (around 120,000 dollars) and wait for a year or so and make profit from selling it.
it depend about your thoughts and interests
