11.   Banks are turning to new businesses including brokerage services and asset management as they can offer higher returns than lending without requiring a lot of capital.

12.   Both policies offer attractive returns to investors and benefits such as breaks on inheritance and income taxes.

13.   Bond funds with ultra-short-term holdings can offer higher returns than money market funds with similar liquidity but costs are typically higher, too.

14.   A cut in rates usually weakens the currency by offering lower returns on deposits.

15.   A prepaid tuition program does not offer astounding returns.

16.   But Bobroff said it would likely take much longer for consumers and independent financial advisers to come around to the view that Dreyfus equity funds could offer competitive returns.

17.   Cellular telephone services offer higher returns for the operator.

18.   Closed-end funds are able to offer higher returns because of their use of leverage through the issuance of preferred shares.

19.   Derivatives, which can offer spectacular returns, are anything but traditional.

20.   European investors are still cautious about buying lower-rated bonds that offer better returns, but at a higher risk.