Growth focused
investment programs
Grow your savings with the upside potential of market returns combined with the safety of FDIC insurance³
Growth focused
Save account level returns
The chart below shows the distribution of all Save customers’ 1-year Market Savings account level returns, which include returns from deposit programs and any bonuses after any applicable fees.
1-year Market Savings account actual returns*
1-year Market Savings account actual returns*
Returns shown above are as of .
Save account level percentile returns
Save account level
percentile returns
- 25% of all customer accounts have a
return of or less - 50% of all customer accounts have made less than and 50% have made more than
- 25% of all customer accounts have a
return of or greater - The average return of all customer
accounts is
Return percentage = (Savings program return amount + Bonus program return amount) / Initial deposit of Savings program.
Return percentage = (Savings program return amount + Bonus
program return amount) / Initial deposit of Savings program.
Returns shown above are as of .
Our investment program actual returns
The below chart shows the return performance of all actual 1-year Market Savings programs since the month of program inception. Returns shown are the average of actual customer programs initiated each week.
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
1-year Market Savings return since program inception*
Actual returns shown include closed and active Market Savings programs from 8/1/2022 until 12/3/2024.
Actual returns vs advertised variable APY*
The above return performance of all actual 1-year Market Savings programs differs from the advertised variable APY because it only reflects program returns since the 2022 inception of Market Savings. In contrast, the advertised variable APY simulates the historical performance of the S&P 500 Risk-Controlled Portfolio from 2009 to present to demonstrate return potential across a longer time period. Advertised variable APYs are not guaranteed.
Historical performance does not guarantee future performance. Actual returns can fluctuate, are not guaranteed, and may be zero upon maturity. The performance shown above is the actual customer return since the program was started. For example, the return shown for November 2023 is the actual return for customers that started their program in November as of today.
Investment Portfolios
Save Global Diversified Markets Portfolios
Save Global Diversified Markets
Portfolios
The Global Diversified Markets portfolios (conservative/moderate/growth) utilize a sophisticated rules-based investment approach that captures returns across a wide range of asset classes and regions, seeking to maximize the consistency of returns.
Save ESG Portfolio
The ESG portfolio utilizes the same investment techniques as the Save Global Diversified Markets portfolios and maintains a similar global multi-asset class approach, while utilizing ESG-focused ETFs where possible and avoiding certain assets.
Save Global Multi-Strategy Portfolio
The Global Multi-Strategy portfolio seeks to generate returns across market regimes by combining 6 sub-strategies, built using a cutting-edge quantitative approach that exploits how financial markets respond to themes and patterns, or ‘narratives’.
Save US Macro Portfolio
The US Macro portfolio seeks to generate returns by allocating across asset classes using macroeconomic variables such as interest rates, inflation and the US dollar. This portfolio focuses on the US equity and bond markets, along with commodities.
S&P 500 Risk-Controlled Portfolio
The S&P 500 Risk-Controlled portfolio follows the S&P 500 Index, and adjusts the level of exposure upward or downward daily to maintain a stable level of volatility.
For more detailed information about the investment portfolios see our Investment Portfolios page.