Investors who remember the pain of 2008 and fled to safety might be wondering if they’re missing the party during this time of market growth. We’re seeing historically low rates of returns for traditional safe money investments. According to Bankrate, the average interest rate for money market accounts dropped from 0.52 percent to 0.26 percent in 2016. Pitiful. And even more depressing, one-year bank CDs are averaging 0.08 to 0.26 percent. Ouch again.