When the government rolled back the cut in small savings rates, millions of investors heaved a sigh of relief. Investors are already feeling the pinch of low rates on bank deposits. The 5-year term deposit rates are hovering around 6.5%. In the 30% tax bracket, the post-tax return is 4.5%. At the same time, guaranteed income plans from life insurance companies are offering yields as high as 5.5-6% (see tables). Long derided for giving low