Bonds

Savings Bonds are actually not bad in terms of long-term investment, if bought when rates are fairly high.   I just sold mine this weekend, one that was a gift from my mom and the other an award from an essay contest I had won.  Granted, final maturity took thirty years, but, they actually gave about 7.7% and 6% return per year.   Also, the bonds are fairly liquid, since they can be sold/cashed at a bank.  However, when rates are low, they may be the similar to a certificate of deposit account.  Maybe the benefit would be in being able to diversify.