Depositing $40,000 into a savings account should always be done strategically but especially in today's changing rate climate. Getty Images/iStockphoto

In a traditional economic climate, depositing a five-figure amount of money into a savings vehicle generally isn't advantageous. But the economy of recent years has been far from traditional.

With interest rates ricocheting from near record lows to their highest level in decades to falling again over the past year , it's been hard to determine what moves to make and what to avoid. But if you have tens of thousands of dollars in the bank to move around, that determination needs to be made correctly, with an informed approach. The consequences of a wrong choice could be costly.

For many savers, that still means turning to high-

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