I keep hearing savers lamenting on super low interests rate on saving and fixed deposits. When the banks see that the risks of investing your saving parked with them are getting higher; they are going to lower the interests rate on saving to maintain a healthy risk-return ratio for assuming your risks.
One has to be realistic. There is no such investing or saving instruments that have low risk and high return. If you ever being offer such investment opportunity by someone, you better turn and walk away quickly. It is likely to be a scam.
If you really want to have better returns on your money, you have to get real and learn how to take on higher risks.
You can't always pass your risks to someone else and still expect better returns.