Tenacity, it appears you know little about stocks and bonds. Your cited 5%+ plus return bonds are what is named in many circles, "junk bonds." LOL!
Your lending club investments are laughable. Are you really going to lend money to consumers based on the representation of LendingClub without a full due diligence package for each consumer you lend money to? Ya, diversify fully via hundreds of loans from Lending Club, and you are protected ... until, of course, Lending Club goes insolvent. LOL
Since you are so trusting, I have a better idea my little lollipop: Send me a check and I will guarantee annual returns of 25% via off-shore REITS and mortgage backed-security trusts secured by Australian farmland further collateralized by Deutche Bank National Association, as Trustee, Successor in Interest to Bank of America, National Association as Trustee as Successor by Merger to Lasalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset-Backed Certificates, Series 2014-HE6.