better to invest in bitcoin, gold maybe more secure, but bitcoin has more potential to grow
saving money in the bank, will only mean losing them in the long-term with the current high inflation
The type of return depends on where you put your money. If you save cash, the interest you earn will be the return. For investments, returns may be income (for example, share dividends or rent from a property) or capital gains (the difference between the price you paid for the asset and the price you sell for).