目前CD利息很低，建议几个免税(Tax free)的债券，可以供储蓄用。

目前CD利息很低，建议几个免税(Tax free)的债券，可以供储蓄用。高收入家庭也可
以考虑。

现金账户上买，当储蓄和应急用。要增值和在退休账户上，建议买指数基金比较好。

Fidelity Tax-Free Bond Fund (FTABX)
    
YTD(1/18/2013)     0.86%
1 Year*            8.18%
3 Year*            7.00%
5 Year*            6.04%
10 Year*          5.30%
Life*                5.76%

Fidelity Municipal Income Fund (FHIGX)

1 Year*            7.92%
3 Year*            7.00%
5 Year*            5.74%
10 Year*           5.07%
Life*              6.71%

Fidelity Intermediate Municipal Income Fund (FLTMX)

1 Year*            4.95%
3 Year*            5.16%
5 Year*            4.99%
10 Year*           4.45%
Life*              5.95%

Other state bonds in Fidelity:

Fidelity California Municipal Income Fund (FCTFX)

Fidelity Arizona Municipal Income Fund (FSAZX)

Fidelity Massachusetts Municipal Income Fund (FDMMX)

Fidelity Ohio Municipal Income Fund (FOHFX)

Fidelity Pennsylvania Municipal Income Fund (FPXTX)

Fidelity New York Municipal Income Fund (FTFMX)

Fidelity New Jersey Municipal Income Fund (FNJHX)

Fidelity Michigan Municipal Income Fund (FMHTX)

Fidelity Maryland Municipal Income Fund (SMDMX)

Fidelity Minnesota Municipal Income Fund (FIMIX)

Fidelity Connecticut Municipal Income Fund (FICNX)

Fidelity California Short-Intermediate Tax-Free Bond Fund (FCSTX)

The tax free bonds in Vanguard:

California Long-Term Tax-Exempt     VCITX

YTD Performance  1.19%
1 Year*          8.92%
5 Year*          5.42%
10 Year*         4.67%
Life*            6.51%

Long-Term Tax-Exempt     VWLTX

YTD Performance     1.03%
1 Year*             8.92%
5 Year*             5.67%
10 Year*            4.84%
Life*               6.21%

Florida Focused Long-Term Tax-Exempt      VFLTX

YTD Performance     1.00%
1 Year*             7.61%
5 Year*             5.69%
10 Year*            4.86%
Life*               6.03%

Ohio Long-Term Tax-Exempt     VOHIX

YTD Performance     0.96%
1 Year*             7.47%
5 Year*             5.67%
10 Year*            4.85%
Life*               6.33%

New Jersey Long-Term Tax-Exempt     VNJTX

YTD Performance     0.98%
1 Year*             7.09%
5 Year*             5.26%
10 Year*            4.63%
Life*               6.36%

New York Long-Term Tax-Exempt     VNYTX

YTD Performance     1.01%
1 Year*             6.94%
5 Year*             5.29%
10 Year*            4.58%
Life*               6.40%

Pennsylvania Long-Term Tax-Exempt     VPAIX

YTD Performance     0.86%
1 Year*             6.94%
5 Year*             5.26%
10 Year*            4.608%
Life*               6.35%

California Intermediate-Term Tax-Exempt  VCAIX

YTD Performance     0.92%
1 Year*             6.63%
5 Year*             5.29%
10 Year*            4.25%
Life*               5.27%

Massachusetts Tax-Exempt     VMATX

YTD Performance     0.98%
1 Year*             6.46%
5 Year*             5.42%
10 Year*            4.72%
Life*               4.93%

Intermediate-Term Tax-Exempt     VWITX    

YTD Performance     0.77%
1 Year*             5.7%
5 Year*             5.43%
10 Year*            4.49%
Life*               5.80%