If you want a safe return for your fiat currency, you can go down to your local bank and invest your fiat in a CD which will guarantee a return on your fiat currency in the form of fiat currency. In fact, it is protected by the 'gubmint. It is a guaranteed, no-lose deal. Unless, of course, the problem is with the fiat currency itself.
You don't have to invest in pm's. I'm sure that you could buy a forward contract on corn, beans, oil, or FCOJ and stand to gain from increased value compared to fiat. But it is certainly not without risk either.
Only the elite know just where and how this ship is going onto the rocks. They know exactly where to invest. We do not. We can just guess.