Your net worth is the value of all the non-financial and financial assets that you currently own minus the value of any of your current outstanding liabilities.
These are similar to bonds in a way, as it is low-risk and has much less risk of loss compared to stocks or real estate. However, you can also expect lower returns.
Your savings account is one of the safest appreciating assets for your money. The challenge is many banks are offering fractions of percents when it comes to interest rates.