I don’t believe there are any financial instruments that are even close to yielding 9.62% risk free. That’s why it’s limited to $10k annual. Though they should

I don’t believe there are any financial instruments that are even close to yielding 9.62% risk free. That’s why it’s limited to $10k annual. Though they should raise the limit to $100k something more “average” for investment savings and bonds. Anyway, I digress. I also have a savings account at Goldman Sachs and it yields a whopping 0.60%.