conversation: User (DeadlyCords): "Our term deposits in Australia are currently at around 2.5-3% if we're lucky. Dropped down from close to 5% a few years ago, which is when we first invested in a term deposit, so returns are getting slimmer.\n\nI have been looking at stocks and would like to build a small portfolio with this money, but I don't want anything risky because my sister will murder me if it crashes. \n\nAre there any investment options that will guarantee around 5% return? I'm kind of sick of the banks doing what they want with my money and giving me meagre returns for it."
  Self: "I added topic flair to your post, but you may update the topic if needed ([click here for help](/r/personalfinance/wiki/flair)).\n\nYou may find these links helpful:\n\n- ["How to handle $"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n- [Investing wiki page](http://www.reddit.com/r/personalfinance/wiki/investing)\n\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  