Which is more likely to give the most for my money, investing in the stock market, or putting my money into a savings account at my local major bank?

It depends on how long you are willing to wait. The stock market is historically a http://dre.ca.gov/ winner, and everything is cheap right now; but you may have to wait ten years for a substantial return. There's a lot of cheap IPO's (Initial Public Offering), selling for pennies a share. The trick is to find the market's future trend. Microsoft was 10 cents in the eighties, so if you bought 1000 shares that's 100 dollars. If you sold it in the late nineties your hundred dollars would get you 60,000 dollars. If you had invested 1000 dollars you would then have coco palms 600,000 dollars. The trick is finding the next Microsoft, or Coca-Cola, or mobile phone, or Toyota, or Sony...