In some economic climates, it makes sense to aggressively invest. In others, it may make sense to take a wait-and-see approach. And yet, in others, savers may find it most advantageous to take a large sum of money and simply deposit it into a reliable and profitable savings account.  That's what many may be considering this April, following a March riddled with discouraging economic developments ranging from a rise in unemployment to a pause in the Federal Reserve's interest rate-cut campaign ,