In Europe you can get above 10% before tax with "peer to peer" lending at https://www.twino.eu. The company guarantees it and their financials looks healthy, but there is a risk of them being a scam or defaulting.
Personally, I would take your money for a guaranteed 5% and invest it in more risky funds, covering the losses or taking the excess gains.
Personally, I would take your money for a guaranteed 5% and invest it in more risky funds, covering the losses or taking the excess gains.