Which of these actually pays more?

Your money is lent out short term. Safe and easy to reach, grows slowly.

Your money is lent to the government or big companies for a fixed return.

Split between shares and loans. Aims to grow faster without the biggest risks.

Buys shares in companies for you. Can grow a lot, can also fall a lot.

Wider powers than an ordinary fund. Global markets, several asset classes, sometimes derivatives.

You lend to the government for a year or less. You buy below face value and are paid the full amount at the end; the difference is your interest.

A government bond that funds roads, power and water. It works like any other Treasury bond except the interest is not taxed.

Covers your car and other people for a year at a time.

Pays hospital and clinic bills for a year at a time.

Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.

You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.

Your building and what is inside it, against fire, theft and storm damage.

Pays out if insured animals die from disease, accident or drought.

You save for retirement in your own name, with a tax break, and cannot touch it until you retire.

A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.