A $30,000 CD account could earn savers significant amounts of interest if opened this September. Getty Images/iStockphoto
While historic returns on stock investments can be in the double digits, that money isn't always easy to come by. It will require maintenance, purchasing new stocks, selling old ones and close monitoring of market conditions on when to do both. And, even when all of those actions are carefully completed, market changes out of your control can easily wipe out any gains secured with care and precision.
This is where select savings vehicles come into play. While rates on high-yield savings and certificates of deposit (CD) accounts , for example, may not be as high as what can be secured with stocks and bonds, there's less volatility to account for at the sa