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If it’s a savings account you’re looking for, you can still get decent returns, with the best available high-yield savings accounts today promising 4% APY or more, well above the national average.

With $1 million in retirement savings, “using the 4% rule, that gives you about $40,000 a year to safely withdraw from your investments,” Schiffert said.

The average APY for those accounts is now 0.22% APY, unchanged from a week ago. On high-yield savings accounts with a minimum opening deposit of $25,000, the highest rate available today is 4.40%.