Not surprisingly, the safest of the investments came in last in profitability. Having someone else manage your money in a guaranteed account is not going to provide the returns of higher risk investments. We would recommend investing in a high yield savings account only if one may need access to their money at any moment during investing. That is an interesting benefit that none of the other options provide. The money market account could have been a good longer-term investment for people afraid of being directly tied to the market or having absolutely no time to deal with brokers or money management. Appreciable returns will only happen over a long, long time, so over 8 weeks, 1% APY works out to only about .15% return on the original investment. Not losing money, but not gaining much.