Where To Put $10K—Or More—Right Now for a Safe, Low-Risk Return

Core Insights - Current cash management options are providing competitive yields, with rates ranging from low-3% to around 5%, allowing savers to earn meaningful returns without market risk [3][9] - A comprehensive chart has been created to compare the best-paying options across various cash categories, including high-yield savings accounts, CDs, brokerage cash options, and U.S. Treasuries [4][12] - The article emphasizes the importance of selecting the right account to maximize earnings on liquid savings, highlighting potential earnings for different deposit amounts [7][9] Savings Accounts and CDs - High-yield savings accounts and CDs are among the top options for earning competitive yields, with the best CDs allowing for locking in high rates for a specified period [4][10] - The article provides a breakdown of potential earnings for different balances over six months, illustrating how much interest can be earned at various annual percentage yields (APYs) [8][9] Brokerage and Treasury Options - Brokerage cash options and U.S. Treasuries are also highlighted as viable alternatives for balancing return, flexibility, and stability [4][11] - Treasury securities, including T-bills, notes, and bonds, offer interest through maturity and can be purchased directly or traded on the secondary market [14][15] Current Rates Overview - The article includes a summary of the top nationally available APYs from banks and credit unions, as well as rates from brokerage and robo-advisor products [13][15] - It notes that the yield on money market funds fluctuates daily, while cash management account rates can be adjusted at any time [14]