Savers should carefully calculate their interest-earning potential before depositing $10,000 into a traditional savings account now. Gabe Ginsberg/Getty Images

While it may be tempting to take a large, five-figure amount such as $10,000 and put it into stocks, bonds or real estate , the reality is that the economy is hard to predict right now.

Placing it into any of those investments comes with risks many would understandably prefer to avoid worrying about. That was emphasized Thursday morning when the latest inflation reading showed it ticking up again in August, now to 2.9%. That's almost a full percentage point where the Federal Reserve wants it, adding a layer of uncertainty to monetary policy and, thus, the interest rate climate overall.

In this atmosphere, many savers ma

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