Two months ago, I started looking into savings accounts with a better return than the promising-turned-dismal AEX Index-coupled account I had. This was for money my husband and I didn't need right away, but didn't want to risk. We'd chosen our bank's Amsterdam Exchange Index account two years ago, when it was averaging 4.5% yearly interest. And that's what we averaged the first year on money we set aside for six months at a time (in six equal monthly units to spread risk).