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accounts amount income tax average investor bank best buy bond mutual funds bonds issued Branch P.O. Box buy for income capital gains cash instruments column $0 convertible bonds corporate bonds deduction default deposit disinflation diversified dividends dollar Dollar-cost averaging double-digit inflation earnings economy EE savings bonds equity exceeding the exceeds exempt face value factors federal income tax GNMA growth growth stock IDEAL INVESTMENTS INAPPROPRIATE INVESTMENTS income tax exceeding insurance products interest rates investment instruments junk bonds loans long-term lower interest rates maturity ment minimum MMDAs money market funds mortgage interest municipal bonds ordinary income paid portfolio precious metals premium principal assets real estate investments REITs rental retirement RISK LEVEL risk of loss sell Series EE shares stock market Street P.O. Box tax bracket tax law tax-deferred tax-exempt Treasury securities U.S. Treasury variable annuity variable life insurance yield zero-coupon bonds