I’m looking to invest some money. I’ve tried to get some information of several financial institutions but they’re all smoke and mirrors due to the recession these days. I’ve been in touch with several financial advisors and got some reasonably good advice, yet I’d like to get some impartial advice from people here. The funds need to be safe (I’m not looking to gamble) and return at least 12% gross after 5 years. Please don’t advertise here, no forex, no stocks, no time-share.