SD
Right now, no one, the best deal out there now is I Bonds at 4.66%, but the stock market has returned an average of 10% or so for many years. 12% is an amount that a shrewd investor might hope to get over a long period of time. You have to look to the long haul, and you have to plan and take care of your investements. Intrest tax free municipal bond's are cheap and a good investement now.
BigMack