Introduction
An investment vehicle is described methods utilized people or business organization to capitalize and, superlatively, increase their net worth. There is a broad range of investment vehicles, which can be used to increase investments; they can be of both low risk and low returns or high risk and greater returns. This allows for more variation for the stakeholder, while reducing risk.

Savings Deposit Account
A Savings Deposit account proposes easier access to any investor to their capital and definite principal and interest. It is a simpler approach for the investor to invest in the short term. Interest on funds deposited in the account is tabulated every day, reimbursed semi-annually, whereby the rate increases as the savings increase. A savings deposit account is safe and secure and provides ease and convenience for the investor to access his/her saved funds.

Mutual Funds
A mutual fund is another category of investment vehicle that is managed by fund managers and combines money from many investors to buy tradable financial assets. These assets are in the form of shares, bonds among others. One of the main benefits of this investment vehicle is that it grants the small scale investor access to skilled fund management with a range of varied portfolios, which would have proven a challenge with the small capital available to them.

Individual Retirement Account
This is a tax- delayed retirement account that allows an individual to reserve some funds annually with earnings delayed until they are able to withdraw when they reach the retirement age. It also allows one to withdraw early but with penalties charged on their earnings. These investment vehicles can be founded by banking institutions, brokerage firms, or mutual funds. One of the benefits of an IRA, is that it allows an individual the ability to take out their funds by utilizing a distinctive program of early payments remitted over the life expectancy of the individual.

401(K)
This is a retirement savings plan supported by employers. It allows employees to make savings and participate a percentage of their pay check, before it is taxed. Taxes are not deducted until the time that the funds are taken out from the account. With this investment vehicle, one is able to regulate how their funds are invested.

403 (b)
This is a retirement plan for selected workers of public educational institutions, tax exempted organizations, and ministers. It has characteristics that are akin to the 401(k). Workers may contribute salary deferrals that are typically bound by regulatory controls.

Conclusion
With the above information, I believe that I am in a better position to know where to save and invest with the best rate of returns.