I am wanting to know if I could start a business that offers an
investment instrument for clients that has a guaranteed return, like a
certificate of deposit for example, but can legally have use of those
funds prior to their maturity date, to invest them in the equities
market to theoretically realize a greater return over and above the
promised return to the client gearing toward profitability of the
company itself.

I am not interested in starting a bank per say that offers a
certificate of deposit, because the only way to offer an FDIC insured
bank certificate of deposit is to obviously comply to their
regulations; including the regulation stating that investing the
certificate of deposit funds in the equities market is not a
permissable activity.

I realize that the company may have to base their headquarters in
another country or work another creative angle comparable to that. 
Therefore, I am open to pretty much any avenue in achieving this
concept.

I am also thinking some type of insurance company offering an
insurance product may be the avenue of achieving this concept; hence
what the FDIC is, an insurance for certificate of deposits, with
governmental regulations.

Furthermore, I am not interested in hearing you can take the
certificate of deposit funds, and as a bank or any other comparable
entity and invest them in real estate development or community
enhancement because I am already aware of that.  I do not want to
invest the funds prior to maturity date in the real estate market, as
stated above, I want to invest them in the equities market.