Principal Guaranteed Investment Program

Principal Guaranteed Investment
Program

Want S&P upside and still
get a guaranteed yield?

Want S&P upside and
still get a guaranteed
yield?

Save combines stock market exposure plus a 4.20% guaranteed annual yield through a conservative investment program that achieves principal protection based on a three-year term and a variable APY of 4.00%5 using S&P 500 Risk-Controlled Portfolio historical performance.

Save combines stock market exposure plus a
4.20% guaranteed annual yield through a
conservative investment program that achieves
principal protection based on a three-year term and
a variable APY of 4.00%5 using S&P 500 Risk-
Controlled Portfolio historical performance.

Principal Guaranteed Program
Guaranteed
Annual Return
4.20%
Average Variable
Market Linked Return
+ 4.00%

Get the safety of guaranteed return
and still participate in market upside

Market+ was built with the smart, modern saver in mind — those ready to set
an investment aside for a few years, watch it grow, and reap the rewards. 

No risk to your principal

Your investment is principal guaranteed at maturity of the 3-year term. So even if the market falls apart, you’ll get all of your money back.5

4.20% Guaranteed Annual Return 

On an annual basis, your investment program will pay a 4.20% return on your initial deposit amount.

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Market Linked Return

In addition to your guaranteed return, we allocate investments to a market portfolio such as the S&P 500 Risk-Controlled portfolio.  The average variable APY associated with the investments is 4.00%.5

Here’s how Market+ puts it all together​

Learn what to expect from start to finish during your investment
program’s 3-year term​

Learn what to expect from start to finish during your investment program’s 3-year term​

  • Onboarding
  • Start
  • Year 1
  • Year 2
  • Year 3
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Save combines guaranteed return with variable market linked return

Guaranteed Annual
Return

4.20%

+

Average Variable
Market Linked Return

4.00%

How Market+ compares to
traditional investments

Market+ makes more sense than traditional
investments for savers who want to limit risk
without limiting return potential

Market+ makes more sense than a CD for savers who want to limit risk without limiting return potential

Market+
Capital One CD
Return
4.20% fixed + 4.00% variable5
4.00%
Yield type
Fixed and Market driven
Fixed
Principal protection
Yes
Yes
Term
3 years
3 years
Minimum deposit
$2,000
No minimum deposit.
Liquidity

4.20% guaranteed return payment can be accessed at any time after disbursement and allocations to your market securities can be accessed anytime.5

If you redeem prior to maturity, you will incur an early withdrawal penalty. More information
Market+
S&P 500 ETF
Return
4.20% fixed + 4.00% variable5
13.69%
Yield type
Fixed and Market driven
Market driven
Principal protection
Yes
No. 100% invested is at risk.
Term
3 years
No
Minimum deposit
$2,000
No
Liquidity

4.20% guaranteed return payment can be accessed at any time after disbursement and allocations to your market securities can be accessed anytime.5

Fully liquid
Market+
Treasury Bond ETF
Return
4.20% fixed + 4.00% variable5
2.46%
Yield type
Fixed and Market driven
Market driven
Principal protection
Yes
No. 100% invested is at risk.
Term
3 years
No
Minimum deposit
$2,000
No
Liquidity

4.20% guaranteed return payment can be accessed at any time after disbursement and allocations to your market securities can be accessed anytime.5

Fully liquid

The fine print: every question, answered

The fine print: every question
about Market+ answered

(And if you’ve got more questions, click on the support chat box
in the bottom left corner and ask us directly!)

  • What are the most important things I need to know about Market+?

    • A Market+ program has a 3-year term and a minimum deposit of $2,000.
    • Your principal is guaranteed only if you hold the investment to maturity.
    • If you make any withdrawal from the guaranteed interest rate product (except for the 4.20% annual disbursement) prior to the end of your 3-year term, your account will be closed and you will be subject to a withdrawal and/or surrender charge and a market value adjustment which can increase or decrease the amount of your withdrawal. These penalties can be significant.
  • How does the principal guarantee work?

    A Market+ program is principal guaranteed if held for the complete 3-year term. When a program is started, the majority of the deposit is placed in a guaranteed interest rate product which will accrue yields by maturity that equal the initial deposit and pay the 4.20% annual guaranteed return. This allocation guarantees that regardless of the performance of your market investment portfolio at least you will earn a 4.20% annual return and your initial deposit will be returned at maturity. See illustration

  • Is Market+ FDIC-insured?

    Your Market+ deposit is not FDIC-insured but does have principal protection when held to term.

    After signing up, the majority of the deposit is placed in a guaranteed interest rate product issued by a life insurance company unaffiliated with Save Advisers. The guaranteed interest product is backed by the issuing life insurance company which has an A- (Excellent) rating and is part of a leading financial services company that, as of December 31, 2023, had USD 62.6BN in assets under management.

  • How is the guaranteed return paid?

    A Market+ program pays a 4.20% annual guaranteed return. This annual return equals 4.20% of your initial investment and is deposited into your investment account after the end of your investment program’s first, second, and third years. This cash payment can be withdrawn at any time.

  • How does the market-generated variable APY5 actually work?

    After you make a deposit, Save’s investment team works with our partners to fund investments in your selected portfolio which will accumulate a market linked return or APY. Your market linked returns could be higher or lower than expected depending on the performance of the portfolio, but they can never be lower than zero. In other words, your variable market linked APY5 comes from the performance of those investments — and if they perform really well, your total variable APY will be greater than your guaranteed 4.20% annual return.

  • Is the Market+ variable market linked APY guaranteed?5

    No. While the 4.20% annual return payment is guaranteed, the Market+ market linked APY5 is not. Instead, it is variable and linked to an investment return. Just like any investment account, your market linked returns are based on market fluctuation. The variable APY5 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 APY5, and in other years it may have underperformed the APY5 and even potentially returned 0%.

  • What happens if I need to withdraw my principal early?

    You can withdraw your 4.20% annual guaranteed return payment and your market linked investments at any time; however, additional withdrawals from the guaranteed interest product allocation in any year before the end of the 3-year term require that the investment program be closed. Closing the investment program includes the liquidation of the guaranteed interest product, to which the issuer will apply a withdrawal or surrender charge to the amount withdrawn and a market value adjustment which may increase or decrease the amount withdrawn. Your principal will not be guaranteed. Your investment account will also be closed.

    Important note: Any amounts withdrawn from the guaranteed interest product will reduce the interest you will earn over the 3-year term and, therefore, your initial deposit may not be fully protected following any withdrawals.

  • Explain the Market+ fee structure to me.

    Save charges a per annum management fee for the Market+ investment program that is a combination of an administration fee and an advisory management fee. These fees are calculated at the time of the application and remains fixed throughout the Program term.

    Administration Fee Advisory Management Fee

    0.075%

    0.25% * (1 - (guaranteed rate / MYGA annuity rate))

    0.162%

    0.54% * (1 - (guaranteed rate / MYGA annuity rate))

    Administration Fee. Save will collect the administration fee at the beginning of each term year. 

    Advisory Management Fee. Save collects the advisory management fee at the end of each term year only if the market-based investment return exceeds the combined administration fee and advisory management fee either during the term year or over the three-year program term.

    Annual advisory fees are collected:

    • If, at the end of a given term year, the one-year market-based investment return exceeds the combined administration fee and advisory management fee

    Any uncollected advisory fees are collected:

    • If, at the end of the three-year market-based investment program term, the three-year cumulative market-based investment return exceeds the cumulative three-year combined administration fee and advisory management fee

    All fees shown above are calculated as of 13 May 2024

  • How do I know how well my investments are performing?

    You can quickly and easily check on the performance of Market+ by logging into the Save app. Use the app to track your progress. You can see your current return, the performance of your market investments, and where your investment program is in its timeline.

    Important note: Because the Market+ market liked APY5 is variable and linked to an investment return, you will see fluctuations throughout the term. The market linked variable APY5 is presented based on the live performance of the S&P 500 Risk Controlled Portfolio.

  • What types of potential benefits do I get from choosing Market+ over a CD?

    Unlike a CD which provides a predetermined return that doesn’t take market forces into account, Market+ both provides a minimum predetermined return in the form of an annual disbursement payment and exposes you to potential market upside. Your variable APY5 is linked to your selected investment portfolio (e.g. the S&P 500 Risk Controlled Portfolio) which gives you a higher overall potential return.

  • Can I invest for another three years, after the initial three-year term?

    Yes — you can enroll in another Market+ program after the initial program’s 3-year term has concluded.

Don’t limit your returns

Use Market+ to take your money further without risking your principal.

Market+ vs. other savings options

Market+ vs. other savings options

Note: ETFs are not guaranteed or insured by the FDIC or any other government agency. You can lose money investing in ETFs. More information

Calculate Your Return Based on
Different Market Outcomes

Use the Save calculator to see theoretical Market+ return with the S&P 500 Risk-Controlled Portfolio.

See exactly how much you can save: Calculate
your return based on market outcomes

Use the Save calculator to see theoretical Market+ return
with the S&P 500 Risk-Controlled Portfolio.

Get the best of two investment worlds — the safety
& return guarantee of a CD and the upside of the
stock market

Use the Save calculator to calculate your theoretical Market+ return with the S&P 500
Risk-Controlled Portfolio. Use Portfolio Performance to see exactly how this will vary
across good years, bad years and everything in between.

Investment

The minimum deposit amount is $2,000.
S&P 500 Risk-Controlled
Please select a portfolio performance option.

Investment Value 5

$0.00
Guaranteed Annual Return
0.00%
Market-Linked Return
0.00%

What you get in Year 1

Return
Guaranteed
$0.00

What you get in Year 2

Return
Guaranteed
$0.00

What you get in Year 3 at maturity

Return
Guaranteed
$0.00
Market-Linked Return
Variable
$0.00
Deposit
Guaranteed if held to maturity
$0.00

This calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume deposits are kept for the entire term. Early withdrawals will affect returns and fees. All values are subject to change. All returns presented are net of fees. For more information see the Fee Calculation.

5Read Important Investment Disclosures

Stay in control of your progress
with the Market+ app

Track Your
Progress
View all Recent
Activity
See Your
Gains

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Invest in the markets,
get a guaranteed return regardless

Invest in the markets, get a
guaranteed return regardless

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