<prompt> Human: Ive been investing through LendingClub for about 3 years now and have been getting fairly consistent returns of 12.5 - 15.I consider this vehicle to have fairly minimal risk and requires fairly minimal effort.Does anyone have any experience recommendations on another investment vehicle that will beat this? Obviously there are no guarantees, but Im not interested in hearing from a guy who made 30 two years in a row because he got lucky on some biotechs :A mutual fund portfolio? A single mutual fund? Ive been burned by the stock market a few times now but always created my own portfolio.  <response>: If anybody could actually name something that meets or beats what youre asking for, they sure as hell wouldnt be posting on reddit. Theyd be managing millions and millions of dollars of capital somewhere.Anyway, your post is a sad reminder that Lending Club isnt available in my state. 