Investing

How Save referrals can significantly boost your investment returns 

Adina Lazar
Investing
Refer friends and family to Save, and watch your investment returns grow together. 
Save makes savings social. Refer friends and family to Save, and watch your investment returns grow together.  Financial institutions are expected to spend $30.75 billion on digital advertising by the end of this year. The aim of their advertising efforts, like any business, is to generate awareness and get potential clients to open new accounts.  At Save, we’d rather invest our available resources into improving our customers’ investments. This is why we’ve created a referral program that encourages happy customers to introduce friends who could also benefit from higher returns to Save.  Save’s referral program is easy:  1. Simply share…

When banks like SVB fail, what happens to deposits when the FDIC takes over? 

Heather Leighton
Investing
The SVB failure shows how important FDIC insurance is.
As we see with the Silicon Valley Bank (SVB) and Signature Bank closures, having an FDIC-insured account keeps your deposits safe in the event that a bank fails.  On March 10, the Federal Deposit Insurance Corporation (FDIC) announced that Silicon Vally Bank (SVB) was closed by the California Department of Financial Protection and Innovation. Then, two days later, the FDIC announced Signature Bank was closed, too. To protect depositors, the FDIC took over the banks’ assets.   But what does that actually mean?   In these situations, the protection extended by the FDIC becomes a lifesaver for your money.  The…

Save investment returns are taxed as long-term capital gains** and these are the benefits vs a typical savings account

Heather Leighton
Investing
Long-term capital gains make how Market Savings returns are taxed appealing to investors.
Before you read on, please note that The Save Advisory Service does not provide comprehensive financial or tax planning or legal advice, and Clients are advised and afforded the opportunity to seek the advice and counsel of their own advisers. Neither Save Advisers nor any of its affiliates are responsible for determining any Client’s individual tax treatment regarding its Client Account. Furthermore, neither Save Advisers nor any of its affiliates are responsible for any state or federal income tax withholding, except as may otherwise be required by applicable law. Clients should take into consideration the limited nature of the Save…

Our Global Multi-Strategy portfolio launches – a modern approach in partnership with a hedge fund

Samuel Cherkas
Investing
We have launched a new portfolio – the Global Multi-Strategy.
We have launched a new portfolio – the Global Multi-Strategy – which has been built using a cutting-edge quantitative approach that we believe can navigate the uncertain years ahead. The portfolio’s primary aim is to generate returns across market regimes by combining multiple sub-strategies across styles and asset classes. The Global Multi-Strategy portfolio has been designed in partnership with Second Foundation Partners, the publisher of Epsilon Theory and manager of a global macro hedge fund that utilizes their pioneering research. This research focuses on generating market-based returns by making trading decisions using natural language processing (NLP) analysis of financial news. Together, we have…

How to better align your social consciousness with Save’s ESG portfolio

Heather Leighton
InvestingSave Culture
To promote and participate in the restoration of forests, we are underwriting the planting of a tree for select ESG portfolio deposits.
In response to growing expectations that companies must show leadership in ESG, we have expanded our strategy offerings to include the Environmental, Social, and Governance (ESG) portfolio. Assets in global sustainable funds were $2.24 trillion at the end of September, according to Morningstar Direct, and we are meeting this market opportunity with the first ESG-oriented savings program in the banking industry. The newly-launched diversified ESG portfolio comprises iShares “ESG Aware” ETFs, that seek to select and overweight ESG companies and avoid certain non-ESG assets. ESG stands for environmental, social, and governance. These three categories have certain standards for a company…

Portfolio diversification: What is it and why does it matter?

Heather Leighton
InvestingFinance
Portfolio diversification is key.
Portfolio diversification is key. A balanced investment portfolio is made up of a variety of investments that work together to help you achieve your financial goals while reducing risk.  For an individual investor, the more diverse their portfolio, the more protected they are from potential losses arising from market fluctuations. A portfolio that is too concentrated (for example, all invested in stocks) is subject to greater risk than one that spreads investments across different asset classes and geographic regions.   At Save, we utilize quantitative techniques to determine relative asset preferences, carry out risk-based asset allocation, and apply volatility control overlays…

Why you shouldn’t risk your own money in the market for a 9% return 

Heather Leighton
Investing
Deposits in Market Savings are FDIC insured and the investments are made by Save on your behalf to generate a higher return on your principal. 
Deposits in Market Savings are FDIC insured2 and the investments are made by Save on your behalf to generate a higher return on your principal.  The Market Savings program is a unique alternative to traditional saving and investing products thanks to the dynamic duo of FDIC insurance and market returns.   There are several investment options for investors to choose from, including investing on your own, investing in CDs, bonds, Treasury Bills, fixed indexed annuities, etc. This article will reveal how the Market Savings program differs from these investing avenues.   I could invest on my own  Over the past 20 years…

Following the Rule of 72, potentially double your Market Savings deposit in less than 8 years

Heather Leighton
InvestingFinance
Rule of 72 shows you should double your deposit in 8 years
How long does it take an investment to double in value? Meet the Rule of 72. This is a simplified equation used to estimate the number of years an investment may take to double at a given annual rate of return. The Rule of 72 states that you can get an estimate of how long a sum of money will take to double by dividing 72 by the rate of return:  72 / (annual return) = (years for principal to double)  An example: An investment with a 9% annual return, means your money should double every 8 years.   The Rule…
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