Thanks for all the advice. I am looking into every option. Like I said I am really a beginner and trying to learn, which is I am asking a lot of stupid questions. I apologize if my questions are really stupid and annoy some people here.
My goal is not really a retirement plan, because I don't think I want to retire. I have no debt of any sort, I have a very fulfilling job and enjoy what I am doing and would very much love to work as long as possible, unless physical condition restrict me from doing so. I cannot imagine 30-40 years from now on retiring and sit at home do nothing. One of my mentors, he is 80 years old and he is still working, and I want to be like him.
My goal is to grow money, I simply just enjoy seeing money growing just for the fun of it. If there is a goal, my goal is to just buy a house that I like without a loan. (of course some people are going to call me stupid for not getting a loan, my reason is quite simple, because I don't know where I really want to settle down, paying rent is a lot more hassle free for the time being, not to mention my rent is not high at all.)
Therefore, I am looking into anything that have double digit return, like Lending Club or high dividend REITs. Yeah, I know there is risk, but I am willing to take some risk when I am still young. If I buy high dividend REITs, I am looking for long, not short, which why I am looking at REITs that have relatively stable prices throughout the years, such as NLY or NYMT (for the last 5-6 years), I am not looking to benefit from the price changes.
In short, I would love to see my current saving double up in 5 years. Aside from buying the right share and hope that the company grow, which I think is just like trying to strike a lottery. The only way that I know of that can double up my money right now is compound interest of at least 12%. There are just not many things I know of that give 12% interest. Lending Club is one of them and their model seems relatively stable, of course, time yet to prove it. REIT is also another one that looks quite promising.