Why not invest in CDs instead of the Market Savings program?

A CD may also be an FDIC-insured³ option that pays a fixed rate and, in some cases, a market-linked return (market-linked CDs). The Market Savings program offers a potential APY* significantly higher than fixed-rate CDs. The Market Savings program also yields higher potential APY* than market-linked CDs because we use our proprietary investment strategies and don't charge commissions or fees beyond our management fee. Some CDs also carry a significant unwind penalty that diminishes the overall product return compared to the Market Savings program.

Investment Advisory Services offered through Save Advisers LLC ("Save Advisers"), an SEC-registered investment adviser. All brokerage and clearing services are provided by Apex Clearing Corporation, Member FINRA/SIPC. Prior to becoming a customer, if at all, each prospective customer must answer a series of subjective and objective questions to evaluate both the individual’s objective capacity to take risks and subjective willingness to take risks.