since this is an economics forum.. the reason I am posting here is... amongst all retail investors. we are worried that we need to make some annual APY on our savings to beat inflation little do we know that there maynot be inflation. rather deflation. ha ha now coming to the point.. we know Wall st. and lot of forces can convince us that. historicallythe S and P index has returned 8%. yada yada.. so why shoud we be putting our money in savings.? allybank is giving 2% online savings account.. so sub consciously we think that we should be putting money into the equities market.but when the bubble will burst, who knows and forget about annualised 8%over long time.if it crashes. we may end up like japan where u would take decades to recover if u had invested in 1989. does anyone know a better deal.. i wish it was atleast 4%. ( apart from stanford/madoff who guaranteed 8% fixed CDs) he he..