[MRM]

It seems to be one of the best investments available. The historic average return of the S&P 500 was about 8 per cent until the last few years where the market defied gravity and drove the annual average return up past 10%. But to be able to lock into an investment that comes close to matching the broad stock market with zero risk is an incredible opportunity.

The downside is that you can only invest $10,000 per year per social security number. The good news is that you can buy through Treasury Direct with an hour or less of futzing with their website. My wife and I both put $10,000 into it just before the end of the year and did the same for both our boys and will put the same into each of our accounts again this year.