Here's how much interest a $100,000 high-yield savings account can earn currently

A $100,000 high-yield savings account can produce a substantial return for savers relatively quickly. Bowonpat_SaKaew/Bowonpat Sakaew/Getty Images Stock market returns, historically, have been around 10%. But that average has increased as high as 16% over the past decade, according to J.P. Morgan . So investing your money, then, feels like the natural thing to do for many savers. That's especially true when there's a large, six-figure amount at stake, like $100,000. That said, stock market returns are notoriously volatile and big gains can and often will precede big losses, potentially wiping out both your earnings and your principal at the same time. And it can take years to recover, or longer, depending on your investing timeline. But this is not much of a concern when leveraging select savings accounts. A high-yield savings account , for example, comes with an elevated interest rate right now, often over 4%. And while that rate is variable and subject to rise or fall based on market conditions, your principal won't be impacted. Right now, then, moving $100,000 into this account type – which won't come with accessibility restrictions the way alternative account types will – could be the smart move to make. You won't have to keep the money in the account permanently, should you ultimately want to shift your savings strategy. In the interim, however, you'll earn a competitive return on your money. …