[l2ridehd]

With EVERY investment risk and reward go hand in hand. You want a higher return, you take on greater risk. For a safe guaranteed return, use bank CD's. Probably an online bank like Ally has the better rate of return because they have no bricks and mortar. When anyone promises you a higher return then seems normal, they are also giving you higher risk. If someone is willing to pay you a 5% or better return for using your money, it's because they can't get it for less any where else. And if they can't get it elsewhere for less it's because they have credit issues of some kind or the risk on that return is greater. That applies to stocks, bonds, annuities, real estate, any and all investments. There is only one reason why anyone will pay you a higher rate of return. Because they have to.