This document summarizes savings account returns and liquid funds as investment options. It notes that savings accounts offer 4% interest on surplus funds, while liquid funds invest in markets and offer higher returns of 6.75-6.82% annually. Key points for investing in liquid funds include doing so online through reputable fund houses and checking fund ratings. While liquid funds offer higher returns than savings accounts, they carry more risk as principal is not protected and returns can fluctuate based on market performance. Investors are advised to consider risk profiles when selecting liquid funds.