CDs and high-yield savings accounts are both worth exploring for savers right now. Getty Images

If you have a six-figure amount of money saved to the side and are looking for ways to both protect it and grow it over time, you may be considering investing it in stocks and bonds. The stock market, after all, comes with returns over time that many economists recommend pursuing, even in unpredictable economic conditions. But stock market uncertainty can also be difficult to stomach, especially after the inflationary period millions of Americans have endured in recent years. And inflation has been inconsistent in recent months, too, giving savers additional reasons for concern.

Understanding this dynamic, then, many may instead be tempted to deposit $100,000 or more into a conventio

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