[unccrombie]

Inspired by the credit thread, I figured we could pool our knowledge and advice about investment products here.

Personally, I'd like to know the best way to go about a savings account. I'm not talking about low yield run of the mill savings accounts. Where can I store money for roughly a 3% guaranteed return in about 5-10 years without an early withdrawal penalty? Essentially saving for larger purchases such as housing down payments, beds, cars, etc.