I would like to know, If I invest in my saving in GIC or Saving accounts hardly bank could offer 3% to 3.75% of interest, but its risk free.Is there any way that I could earn 7% to 10% of returns invested either in stocks and bonds, if yes how much fee or...

appreciation of the fund? For example - when they say the average for 3 years was 10% a year, were the returns actually 12% but with 2% taken off for the MER?