Substantial interest earnings on a $100,000 CD account can stack up in just a few months. Getty Images/iStockphoto

If you have $100,000 to invest now, you may be overwhelmed with your options. With stock market returns historically reliable, you may be tempted to strategically invest your money into a variety of stocks and bonds. Other savers, however, may prefer to secure a fixed interest rate on their money while protecting the principal of their six-figure account. It's easy to see why that approach can be attractive now.

With inflation rising slightly in recent reports, layoffs a growing concern and interest rates still high, albeit markedly lower than they were a year ago, many savers may feel more secure keeping their money in an account that won't be adversely im

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