If you're talking about 12-15% after 5 years and not 12-15% per year, you can stick it in a GIC and not worry about risk. I'm in Canada and ING's 5 year GIC is

If you're talking about 12-15% after 5 years and not 12-15% per year, you can stick it in a GIC and not worry about risk. I'm in Canada and ING's 5 year GIC is 3% per year, which will end up giving you almost 16% after compounding (1.03^5 = 1.159). If you're looking for 12-15% a year, you'll have to be doing some very risky stuff. Returns like that are hard to come by. Let me know if you find anything though ;)