I have a Roth IRA, and my wife is looking to invest some of her income now as well. We are looking at money market accounts -- 3% +/- depending on your bank choice. I don't think that's too bad for funds that you want to keep accessible, but I am not real investment-savvy. I am interested in what others offer and will be keeping an eye on this thread!

BTW, that reminds me: is anyone else concerned about the talk of an impending capital gains tax increase as you-know-who has made reference to? I may be jumping the gun here, but that bothers me. We live well below our means now so we can invest in order to live well after retirement, but I am concerned that my interest may be hit hard eventually. If that is the case, what is the incentive for making good fiscal decisions earlier in life? I worked a long time to become debt-free, and I would like to think that investing as I do will reap rewards in the future. Perhaps (hopefully) I have just read the accounts of possible tax increases incorrectly.

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1992 300D 2.5T
1980 Euro 300D (sadly, sold)
1998 Jetta TDI, 132K "Rudy"
1974 Triumph TR6
1999 Saab 9-5 wagon (wife's)