Well like I said there's definitely some risk if you want high returns. If you want it to be low risk then leave it in The US making about 4% per year.
Acira: They don't pay out 5-8% a month, that's typically what they loan the money at (sometimes higher), but you should be able to get around 2-3% a month (about 24-30% a year...NOT a month).
I don't know ANOECA, but I have read about them. It's the same thing I'm referring to...Basically you're giving your money to this guy (Alberto) who's going to pay you back with some interest. He'll use your money to loan it forward. Just cause he has a website doesn't make it any less riskier...as a matter of fact I feel more secure giving my money to someone with whom I can establish a contract where that person will put up property as guarantee that I'll get my money with interest back or if not I can take that property. Does ANOECA provide any type of property or other guarantee? I don't know, but the people I work with my contract I can pretty much take their house if they don't pay me back.