The more % you get the more risk there is of some tycoon spending it all for you declaring bankruptcy and you left with ziltch. goverment backed things are the way. Some bank shares maybe. Gold is stable. look for the guarentees you get; the less of them, gets more % but you can lose the lot.

You cant really lose investing in your own piece of land like where you can see a city growing and heading out towards it.

So long as you can afford the repayments and so long as you dont sell if the land price drops for a while, you will be doing great in long run.

Out here we have a goverment backed first home owners scheme where they put in alot of cash towards it for you, It was like over 15 grand for free, now I think its even more,they did this to stimulate the econemy and get new building underway again. Australia is just a giant work site really,lots of growth still.

If you play the markets ,know about the product and company you are buying into study up and think it out in real terms, if you dont and you trust others with your hard earned cash think of it like you are puting it on a horse that is going on a three year race.