Sky is correct. They all work like a lottery. Instead look at fixed deposits which would earn you interest - risk free else look at investing in mutual funds. Obviously investment in fixed deposits would be the bank which is providing the highest rate. Do invest in recognised banks -QNB, HSBC, CBQ etc

 

I personally, invest some amount in mutual funds (india) and directly in equity (india again) - they both have done very very well last year.  I also have investments in Mutual funds (globally) managed by citibank Bahrain. Here i invest in mutual funds around the world - BRIC, gold, East Europe, China etc. Citibank manages it for me. PM me if you want details of this and i'll ask my citibank relationship manager to give you a call.