This report explains savings accounts and low-deposit investments in order to help consumers determine which accounts are right for them. It is divided into the following four sections (topics covered are listed in parentheses): (1) the savings program (setting savings goals, saving regularly, choosing a savings account, interest, the savings contract, and places to save); (2) types of savings accounts (regular savings accounts, time deposit accounts, money market deposit accounts, "super NOW" accounts, and United States savings bonds); (3) investments (mutual funds and money market securities, the latter including United States Treasury issues, federal agency issues, municipal bonds, and corporate bonds); and (4) special purpose accounts (Christmas clubs, custodial and informal trust accounts, matching fund investment plans, Individual Retirement Accounts (IRAs), and Keogh plans). Information in this report is current at the time of printing, November 1983, but is subject to change. (DC)