One way to invest online is to use a Forex Robot. A 20% profit in a year is more than the interest you could would earn from your savings bank account but Automated Forex Trading involves some risk.
First of all you must find a Forex Broker that allows the use of EAs for automated forex trading. Some Fx Brokers don’t allow automated trading using EAs.
You should also read different reviews about a broker to see if it pays withdrawals on time.
Buy a reliable VPS to install the Metatrader 4 platform and use your EA. You must have a good internet connection between your MT4 EA and your Broker in order to not miss trades and have losses.
Another way is to invest online in HYIPs. High yield investment programs can be very profitable and here is some useful reading: Safety Depositary Review, Bytes Capital Review, Forex Paradise Review, Bandeira Corp Review, Solid Trade Bank Review
The risk involved is similar to investing in HYIPs so you must do your research to find-out if a HYIP investment is more appropriate for your needs.