Off topic, but as a finance nerd I want to point out that if you know you won't touch your money for 10 years and put it in a savings account paying 5% you are bearing "duration" risk. It's possible that interest rates will fall a lot and by failing to lock in a 4% return you end up with less money at the end of 10 years. (Just a technical note! You probably shouldn't buy 10 year treasuries!)