so the next question is, whats the next best investment? something that is a little less liquid and a little better return.

how about US Treasury Bills? 4.8-5.2% from 5 days to 180 days. strangely the shortest period, 5 days, is also the highest interest %5.2.

how about a Nasdaq Composite Mutual Fund?
Fidelity - 3 year annualized return 10%
USAA Nasdaq 100 index - 3 year annualized return 9.8%

Note a 3 year return is post-internet-bubble burst.