corresponding with five renewable 12M deposits, compound interest rule applies: 2000-2005: -1,63% 2001-2006: 12,57% 2002-2007: 19,89% 2003-2008: 21,51% 2004-2009: -2,78% 2005-2010: 1,02% Any alternative? Good timing , not investment duration is what matters, you can gain twenty per cent within one month, or within five years. Fancy following financial advisors’ advice