is there any safe ways out there to get 10-15 % ANY return rate ?
as far as banks i noticed maximum 5 %
crypto exchanges upto 15 % - but are they safe to put money there ? like nexo , kucoin ?
If banks can't offer more than 5% then why should you expect other financial institutions and enterprise to offer you with a higher percentage other than what the banks can offer, sometimes we all by ourselves invites scam to take over our finances when we are too eager on seeking for what is not, those we are thinking can offer us such amount are also going to engage doing business with the money before taking out their own profit then consider your own return.
when it comes to investing, the risk equatest to the return, with this case you are right, the most safest way to invest, which is through bank deposit, offer 5%, can't expect other thing to be offering more.
after all those that offers more APY or annual return higher than bank usually have some risk. therefore there's no really safe ways that gonna make sure our capital are never gonna risked for the sake of some 10-15% annual interest.
moreover, staking might be a good idea, but as you can see, the staking rate of stablecoin which supposed to be just as safe as deposit, is also low, because so many people are staking their stablecoin.
thats why finding safe way to invest and get more than 10% will be quite hard.
the only way is to increase the risk a little more and get more return, but sometime it also exposes the capital to massive risk of fluctuation.