Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk.

像储蓄账户和存款证这样工具支付的利息很低，他们承担的风险也很小。

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Finally, they have most of their meager assets in cash: paychecks, tips, checking accounts and small savings accounts.

FORBES: Magazine Article

Sainsbury and Tesco both pay 6.5% on small balances in instant-access savings accounts.

ECONOMIST: Supermarket banking

In a world of medicine dominated by Big Government and Big Insurance, health-care savings accounts represent of small ray of sunshine of personal freedom and choice.

FORBES: Obama Care's Assault on Dr. Carson's Health Savings Accounts (and My Tax Bill)