[akvadrako]

https://www.twino.eu/en/ guarantees over 10%

But it also doesn't need to be guaranteed - companies are fine accepting some risk. So you could just buy Apple stock.

[ryandrake]

At least with personal finance, if you're comparing investing with paying off a loan, the potential gain must be risk-free in order to compare apples to apples. Paying off a 4% loan is a risk-free 4% return.