I partially agree with you but the most important phrase here is "without much time spending" and not "20% GUARANTEED return"... after 12yrs of investing experience I know that there are many investments that can give that kind of return but then it ask you to invest some time as well to manage those investment - I'm at a point where I'm ready to invest money but not that much of a time ... so am looking for some intelligent investment (if any) , of course with some serious due-diligence.