I would like to know what scheme has the greatest chance of a decent return in minimal time and not too risky.

Thank you

I really doubt that any sound investment strategy will be made public because it would put the clients of those companies who pay for their service at a severe disadvantage.

It also depends on your definition of:

a) Decent Return

b) Minimal Time

c) Too Risky

When choosing a strategy it all comes down to individual preference and definition of key terms (as shown above).

i am thinking of 10 percent above interest rates in say 3 months and not risky to the point that there is some logic behind and you cna hedge your bets.

So you basically look for something around 5.5% a month (10% above interest rates in 3 months will put you at 15.75%).

That sounds like an investment goal that can be easily accomplished, at least in my opinion.

Good luck with that.