Warren Buffett: For most people, the best thing is to do is owning the S&P 500 index fund
https://www.cnbc.com/video/2020/05/04/warren-buffett-investi...
https://www.cnbc.com/video/2020/05/04/warren-buffett-investi...
The interest rates are very low right now and the risk, while still obviously higher than non leveraged investing, is much lower than with options. That's only true if you invest in the main (slower moving) indexes though, being leveraged on individual stocks can be much more risky.
Writing OTM calls on index ETFs you own can be a good way to increase your return with almost no risk though (expect the risk of limiting your upside).