Maximize Your Cash: High-Yield Alternatives to Savings Accounts & Money Markets - WSJ

1. Cash allocations should be 2% to 10% for liquidity and returns. 2. High-yield savings accounts offer competitive rates; top is 4.75%. 3. Certificates of deposit yield 4.45% for six-month terms. 4. Brokered CDs may offer higher yields but can be callable. 5. Money-market funds average yields around 3.77%, higher options exist.