I'm looking for safe places to put extra money that I save that have no risk but pay better than CDs. Is it really possible to get 10% return a year with no risk? http://www.iitm.com/safe_strategies_for_financial_freedom.htm "Two Banks that Pay 10%. How much does your bank pay for money itâs holding? 1%â¦ 2%â¦ or 2.5% at best? Dr. Steve Suggerud will show you two banks that pay 10% or more. Thereâs no lengthy application process or complicated forms to fill outâ¦ just one phone call to make. " http://www.quadrigafund.com/en/fondsQuadrigaAG.asp Funds -> Gauranteed Products It looks like they are offering bonds which are offering 10-12% non-compounded yield. SuperFund Garant V, 9 Years and you double your money. "100% of the initial investment at maturity date" Are these bonds safe and guaranteed? If this is true, can't banks just invest your money into these 10% return vehicles and pay their customer 2% interest and cash in on the 8% difference? Thanks!