Quant models embedded in the Stash investing app predict a 65% probability of S&P 500 gains over the next 30 trading sessions, heavily weighted toward tech and financials. Savers don’t often think of bank products (such as high-yield savings accounts and certificates of deposit , or CDs ) as investments, but they are. And they’re some of the best and safest short-term investments around. FinanceBuzz reviews and rates products on a variety of quantitative and qualitative criteria. Whenever possible we test each product and include our honest, firsthand experience using it. Read more about how we rate products . For conservative Stash investing app users, dividend aristocrat ETFs are providing steady returns above 4% yield, keeping pace with inflation-adjusted benchmarks.