I just thought I would start a thread looking at the available options for trying to save or else invest money. I have to admit that I am rather clueless in these areas. I was messing about with this retirement planner thing earlier and was pretty impressed by the percentages they have on returns from investments and savings. You can have a look at that planner by just clicking on the link below.

Retirement Planner - MSN Money

A return of about 9% seems very good to me. I have only ever really used savings accounts to store my money and the returns are pretty puny. I got just over 4.5% last year and this year just 4%. So my question is, what do you have to do with your money to be getting higher returns. I don't really know too much about all that stuff really. So, just thought I would ask what some of you are doing to get higher returns and hopefully spark some interesting discussion.