No vehicleThe S&P 500 does not give 10% per year. The average of the last 30 years gives 10% annual growth. The catch of the average is that there can be years or decades of continuous or steep declines.
Very few can afford to wait a decade to recoup the money invested. Therefore, depending on your income, an interest-bearing account or treasury bonds at 2% or 3% is the option of many people.