US10y vs FED rate. Should u put $ into bank or buy gold? 10/Jan/

US2Y and 10Y bonds yields always “follow” FED rate paths. Now we “see” some “experts” encouraged us to “save” money into banks (especially USD denominated a.c) to gain higher rate. Hope to enjoy high fixed guaranteed return like early 1980s which was above 10%!!! Looking at those chart and gold price do you think “fixed deposits “ into bank is “worth” as investments?