6% is definitely not a good deal

but it might be the best deal you can get.

We were taught in China that "better" is better than "good". 

In fact, "good" is the best, while "best" is not.

At this moment, your best return might be 6%, hence it is the 'best' deal. Though of course 100,000,000,000% is a good return ... like the powerball.

Come back to your question, if you don't know investment, best place is still a big bank. At least it won't give you -6% return ... well, inflation sucks.