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whats the best way to save and grow your money is it to dump it all into bitcoin and hope it hits 100k or maybe you should put all of it into gold and silver or you could do neither of those things and put it into something called a certificate of deposit most people are familiar with savings accounts or bank accounts where you can park your cash and get paid interest by a bank usually less than half a percent per year thats not much but savings accounts do allow you to draw money out of them every month however if youre looking for a higher rate of return and dont want to invest your cash in the stock market a certificate of deposit or cd might be the right choice cds are financial products offered by banks that give you a premium interest rate on your money in exchange for agreeing to not touch it for a certain amount of time cd terms vary by bank but generally there are 3 6 or 18 month terms but they can go up to around 5 years on the high end in general though the longer you ag