High Yield Savings Accounts Are Getting Less Attractive. Where to Put Cash Now.

For the past year savers have had it easy, with go-to options like Treasury bills and high-yield savings accounts routinely offering 4% to 5% yields. With interest rates set to come down, hanging on to those payouts is about to get a lot harder. Investors have been expecting the Federal Reserve, which sets short-term interest rates, to start lowering its target for the benchmark federal-funds rate all year.