If anyone has a better way of earning an ostensible guaranteed 10% a year on your money, please let me know. I’m looking for the CD concept.
If you have minimum of 100k, there are a lot of private investment groups that you can get into. Some have been around for decades at about 10%-15% return. There are at least 5 in OC alone. You just have to make sure they are reputable and have been around for long time. My aunt join one in early 90s, it will only lend money to someone when they have equal equities to back the full value of the loan (they do the appraisal of the properties themself).