5.07%ROI in US dollars??? No offense, but that kinda blows. You can get better than that with a CD. Try IndyMac, Etrade, Eloan, ING… And if you are worried about the $100k FDIC limit, you can buy into several, if you’ve more than a few $100k, first good for you, but then you should probably have a firm managing your money.
Also, I don’t know what bad experience you’ve had, but even with my very conservative investing I don’t think I’ve had a year where I’ve lost to the market, at least nothing significant. Granted some years that means I have just lost LESS than the market. But, if I didn’t beat the market on average, I would just buy index funds and spend more time on other business.
