Traditional investments such as CDs, bonds, money market accounts, and savings accounts are currently earning extremely low interest rates.  Can you really grow your assets with 1% to 6% returns?  CDs, Money Market, Bonds, and Savings plans generally do not perform better than that.  Once inflation is factored in these types of  investments may actually be losing value for the investor.  Of course, they are generally very safe investments providing comfort in a volatile economy.  The stock market may offer better returns but it is very risky especially given how quickly things can change.  Most of us will never forget the crash of 2008 or the great comeback we have seen through 2011 so far.  However, many folks, including me,  are not so sure about keeping money invested in the stock market.  If you have the same concerns, you might consider partnering on some especially safe real estate investments.  Essentially you would lend money secured by real estate.  These loans would be at a very low and secure loan to value ratio providing your money great security and a great return.  Does 7% to 15% sound pretty good? These very low risk returns, up to 15%, may also be realized in your Roth or Traditional IRA.  This creates an opportunity for phenomenal growth over the long term. Check out the Equity Trust Corporation for more information on private lending using a self-directed IRA.  Their website is www.trustetc.com.  If you have an interest in hearing specifics on how you can earn these returns safely and consistently please contact me.  I willl be happy to discuss your investment goals and how real estate may be a good vehicle for achieving them.  I can be reached at joel@ibuyrealestate.com