Keeping some cash in savings is important for emergencies and short-term goals, especially with expected higher market volatility in 2017. One option is depositing funds in Kazakhstan, which offers 14% annual interest on deposits of $5,000 or more held for 12 months. The deposit terms include automatic renewal, monthly interest payments, and no withdrawal penalties as long as the minimum balance is maintained. Contacting the provided email can provide more information and help with the paperwork for opening an account.