What's the best, nonrisky way to invest money to make a decent amount on it. more than a lousy 5.4%?

Research Vanguard Mutual Funds. Think long term

Asset allocation, between stocks, bonds, money markets and CD's.

Good mutual funds. You can get them on your own, but you have to do a whole lot of research, or you can pay a small fee to a financial advisor, which is what I do.

There is no non-risky way to make more than that.

Non-risky are CDs & Money Markets. That's the best rate you'll get, unless you have hundreds of thousands to invest over a long term (several years).

It depends on how much you have to invest. In general, doing the opposite of the general trend is always the best for the short term.

Long term, housing has a very bad market right now which means the smart investors are buying and cherry-picking the best deals.

Right now I would stay out of mutual funds and stocks because the market is in need of correction. Until this happens, you may want to invest in the Euro or UK Pound.

look for advice on:-
www.moneysavingexpert.com
lots of investments that offer more than 5.4% and moneysavingexpert will out line the pros's and con's and list offers etc.

even a mutual fund that tracks the S and P 500 should yield better than 5.4% You could also try investing in stocks yourself. It's a great game to get into

Well if you want a consistent rate of return put your money into as savings account with compound interest, and invest in low risk mutual funds.

Safe investments pay less. To do better, you will have to accept some risk. I believe the US dollar is going to collapse, and would recommend investing in gold.

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Did you say non-risky? Do you understand the idea of 'risk'? Whatever US treasury bonds pay is considered 'risk free' -- anything else, whether it is corporate bonds, or stocks, or commodities -- carries with it risk. That is why stocks over time return more than bonds -- they have to return more because they are riskier. The greater the risk, the greater the return. Non-risky greater than 5-6%? Sorry, that doesn't exist. Stick to CDs where you'll be happy with the risk profile.

Okay...open an account on E-trade..( all on-line)... then buy a few shares of HTE...or CNE...or PWE. They are Canadian " oil trusts" that pay nice MONTHLY dividends that will amount to 12 to 15 percent at the end of the year. About the 15th of every month you will see cash added to your account...when it adds up a little, you can buy a few more shares in the same company...or a different one... or " get into" this investing stuff and look at a few low-priced ETF's for more gains.
It may take some reading and learning and watching, but you could end up making closer to 20% on that money ... or you could just sit back and say " Oh! That's too hard... I don't think I can handle it.." Take my word, it isn't hard..or complicated... it's just learning to take care of yourself...looking out for your future... and it gets to be FUN.

Hi there just send me a mail to jaques606@yahoo.com, with "Lousy 5,4%", in the subject line, and i'll send you some info regarding this matter.

I think it might help you in your decision.

Will reply asap.

From an academic viewpoint, the best "risk-free" return is determined by government treasury bills or bonds. If you wish to make higher returns, you must take on more risk.

The only other way to possibly invest money with little risk requires to invest time as well as money plus some finance expertise, through identifying "arbitrage" opportunities, i.e. taking advantage of mispricing of goods. For example in foreign exchange, if US $1:AUS $2, UK $1:US $2, and UK $1:AUS $3, then there is mispricing because instead of directly exchanging US $2 = UK $1, you could instead exchange US $2 for AUS $4, and then AUS $4 for UK $1.33. Then to take advantage of this you could exchange UK $1.33 for US $2.67. The margins in the real world are obviously not that big, and arbitrage opportunities are rare, particularly with many professionals out there who specialise in exploiting "mispricings" in the "market".