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Savings? A few dollars a year. Mostly I keep money in savings so I don't have to take it out of stocks if the market takes a dip - as it did the last week or two. Investments - things I actually expect to make money on, over time, are low-cost mutual funds, mostly index funds. I use Vanguard for IRA money, T. Rowe Price for stuff that's not tax-sheltered, but there are other good companies. Average return, over decades, is around 7.5% per year, but you have to be prepared to weather bad years, like '08-09, and let good years like the last couple even things out.
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