Safe Cash Options Yield 3–5% Returns Amid Rate Declines
Investors seeking low-risk returns can still find competitive yields in the 3–5% range across savings accounts, CDs, and Treasuries. Top high-yield savings accounts and brokerage cash options remain standout choices, offering stability without market exposure.
With rates gradually declining, savers must strategically allocate cash to maximize returns. The best CDs lock in higher yields, while short-term Treasuries provide flexibility. Every percentage point matters—especially for portfolios above $10K.