In Singapore how to earn a risk free return of 24% to 61% per annual The answer : Buying divident stock in margin. eg: Singtel , now the divident is 5%, if you use S$10000 to buy, return is also 5%. But if you use margin, eg in CMC markets, the margin interest rate is only SIBOR + 2% That work out to be 2.6% for now. the margin for Singtel is 10%, that means you can use S$10000 to buy S$100000 stock. and earn the 5% interest of S$5000, minus the interest cost of S$2600 you make S$2400 out of your S$10000 investment, that is a return of 24% per year. another stock AIMS AMP REIT, divient is 8.7% use margin, your return will became 61% per year. But ofcouse, you have to have some risk management, in case the stock price drop 10-20 percent, you still have to have the money to prevent the marin call.