I normally invest in real estate and get around 20% of ROI (without much time spending) ... but wanted to explore other avenues with similar GUARANTEED return ??
Snake oil, its the future; and I can get you 100Ks worth easy.
Seriously though, this is a dumb question. There is no such thing as guaranteed returns, and anything with a 20% return probably has inherent risks that you don't appreciate, or is completely illiquid. If you want to invest money responsibly and you don't know how, then speak to a financial advisor -- that's what they're there for.
Not a dumb question at all. Many advisors are highly paid risk-takers with your money, that have their own bottom line as their main interest. Knowledge is always helpful to protect any investment.
That being said, are you thinking shorter term or longer?
I mostly look for cash-flow kind of investment rather than future appreciation - so if I invest in real estate then in 5yrs I get my money back ... I dont expect with solid similar option but anything with 5yrs timeline should be good enough.
I partially agree with you but the most important phrase here is "without much time spending" and not "20% GUARANTEED return"... after 12yrs of investing experience I know that there are many investments that can give that kind of return but then it ask you to invest some time as well to manage those investment - I'm at a point where I'm ready to invest money but not that much of a time ... so am looking for some intelligent investment (if any) , of course with some serious due-diligence.
What stage of life are you in? What portion of you savings is this?
I Ask because if you are young and have opportunity to earn / save more, I would say yourself. If you are older and this represents a significant portion of your nest egg I would have other suggestions.
Seriously though, this is a dumb question. There is no such thing as guaranteed returns, and anything with a 20% return probably has inherent risks that you don't appreciate, or is completely illiquid. If you want to invest money responsibly and you don't know how, then speak to a financial advisor -- that's what they're there for.