No. Part of the Market Trust APY** is variable and linked to an investment return. Just like any investment account, your returns are based on market fluctuation. The APY** presented is based on the live performance of the S&P 500 Risk-Controlled portfolio with the understanding that in certain years the portfolio may have outperformed the APY,** and in other years it may have underperformed the APY** and even potentially returned 0%.
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