<prompt> Human: Im currently halfway done with college in the US and have no debt so Im thinking of stashing money into either I-bonds or high yield savings CDs before I start any real investing since I really just dont want to leave 10k in a savings account that gets 0.01 interest. What do you think is the best route to go? In terms of pure numbers, a Barclays CD is at 1.65 while their high yield savings is at 0.90 and I-bonds are at 1.18 but Im not sure what the nuances are which would be better for someone who just wants to save money in a more productive fashion. Thanks!  <response>: Keep it liquid in a savings account. Ally currently offers 0.84 on their savings accounts. The difference in interest paid between the savings account and the I-Bond is roughly 2.83 a month. That is not worth locking up the money for a year and losing liquidity. 