Do you remember a time when a bank savings account earned about five percent interest each year? It’s quite a contrast from today, with savings accounts averaging just a little more than a half percent. Series EE Savings Bonds return one-tenth of a percent, nowhere near enough to keep up with inflation. Other government bonds have higher rates, but still average about two percent. You can do better with high-yield bonds and the dividends paid on some stocks, if you’re willing to take the risks associated with those types of investments.