The graph shows examples of investments with high and low liquidity. A graph shows examples of investments with high and low liquidity. At the top is retirement accounts, then houses and property, then stocks, mutual funds, bonds, C Ds, and at the bottom is savings and checking accounts. The investments have less liquidity at the top, and more liquidity at the bottom. An investment with more liquidity would be ideal for someone who knows they will need cash in the near future. knows they will need cash years from now. wants to have a guaranteed source of income. wants to have higher returns on their investment.