In today’s low-interest rate environment, most bank accounts earn a return between 0% and 0.25%. This site discusses investment opportunities that can provide higher rates of return for your excess cash. I believe that the majority of your portfolio should still be in traditional investments, i.e. stocks and bonds. However, there are several options for retail investors to earn higher returns than those currently available from deposit accounts.
I don’t recommend every investment type that I write about. My general preferences are:
1. The investment should be relatively liquid, with a time frame of 1-3 years
2. There should be relatively low setup costs and transaction fees
The top menu has the general investment categories that are discussed on the site.