Why are CD rates not any higher now than a high yield savings account? I just recently retired due to the Covid-19 . I was planing on working a few more years part time but I could not risk catching the Covid-19 . So anyways I was going to take my retirement earnings when the stocks go back up "or if" and put it in a safer environment like CD's but at this point it looks like I might as well just put in a high yield savings account.What do you think is that a good strategy ? Now that I am retired can I put the money into a IRA ? Any way I do it I will have to pay the taxes on it eventually . I just joined the group and am glad to be here ,Great group a lot of smart and caring people . Thank you for the invitation.