The individual investor should keep in mind the economy in general on the interest rates. The higher rate of interest for certificate of deposit influences the customer to choose the investment plan. The Best CD Rate with shorter period will yield more profit to the customer. The best bank CD rates are very attractive and are based on the rise and fall in the competitive economy. The best certificate of deposit rates will have the very longer maturity period with high rate of interest. The debt instruments are called Savings Bonds that are issued by the Government. These bonds are like equities, which yield very low rate of interest than the other form of bonds. The investment on Savings Bonds is very safe. But it offers high rates of interest than the savings accounts. Savings Bonds are free from local as well as state taxes. Initial capital required to invest on this is very nominal. The Fixed Annuities are more or similar to the certificate of deposits issues by the banks. A large amount of money will locked into the insurance company or a bank with interest rate for a period of one to more than ten years. Fixed Annuities are called zero percent risk investment. These are generally yields very good returns when compared to other types of investments on long-term basis.