Unless that "guaranteed account" is a money market or an insurance policy, I'd be REALLY wary. In investing, there are very few guaranteed returns except by scammers and other crooks. There are people by the thousands who have lost their money on so-called "guaranteed returns". I would to a LOT of research on something like that even if "but my brother did it and he got 14%!" Fact is, many scammers will give a good return, let the word of mouth spread and once they have many depositing several thousand dollars, they disappear. Then use all those deposits they ran offi with to start another scam with guaranteed returns.