Wealthfront Individual Cash Account is at 4%. Plus you can use it like a checking account, so no need to ever have money in a checking and miss out on interest
I was wondering the same and I figured it out. The Wealthfront account is a cash account, not a HYSA. With the cash account the money is swept into multiple partnered banks rather than an HYSA where your money is safely put within a single bank.
From your last video I learned about UFB DIRECT and I started banking w them. Initially if I’m not wrong it was a 4.5 percent interest rate but this year it dropped to 4.01. I’ll leave it for the rest of the quarter to observe and understand the market a bit more but eventually will pick some bank from this or newer video
I tried ufb for a couple months. Their ui is trash and theyve been reducing their apy. Plus, I saw they had some shady dealings with trump. Had to close it.
I feel like I’m not receiving the right financial advice to grow the money I work so hard for each day. Unfortunately, my funds aren’t keeping up with inflation. With interest rates currently declining, what steps should we take next?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience. If you're new to investing or don't have much time, it's best to get advice from an expert.
Many people underestimate the value of advisors until emotions lead to costly mistakes. A few summers ago, after my lengthy divorce, I needed support to keep my business afloat. I searched for licensed advisors and found someone highly qualified. Thanks to her expertise, she helped grow my reserve from $175K to $650K, even in the face of inflation.
Sure you can! LAUREN CHRISTINE CAMPBELL is the advisor I work with. Just search the name. You’d find necessary details to work with to set up an appointment.
@ unification of everything and highest returns. Fidelity has best customer support. Wealthfront has best app. If u didn’t want to be as diverse I would just do fidelity. But using at least 2 is good and a brick and mortar for deposits and other I personally stuff. Wealthfront best for hysa and fidelity for all long term investing. Fidelity also good to use if u get into bank account bonuses.
Apple has a HYSA at 3.9% interest is compounded daily and paid monthly. FDIC insured but I believe you need the apple credit card in order to apply. ( i use this with the apple credit card as the cashback gets automatically deposited into the savings account)
Those assholes restrict your account for no reason and give no explanation. Then they keep all your savings. I don’t know how they literally get away with robbery
You're totally forgetting the best and safest "savings account" out there-short-term T-bills! Yeah, FDIC-backed savings accounts sound nice, but fun fact: the FDIC has less than 1% of the total deposits it insures. Meanwhile, T-bills are backed by the "full faith and credit" of the U.S. government-which might sound like a fancy way of saying nothing, but hey, the government has a money-printing machine, so it kinda means everything. Don't be like me, wasting a whole decade burying my head in the sand with a regular savings account. Open a brokerage account (Vanguard, Fidelity, whatever), and buy T-bills at auction-for free! Oh, and here's the kicker: T-bill interest is tax-free at the state level, while savings account interest gets hit by both federal and state taxes. Uncle Sam always gets his cut… unless you play it smart!
I’m new to all this. I’ve been banking with Bank of America (garbage I know). But I’m approaching $50k in my savings and only get like .70 cents a month. lol. I don’t understand banking at all.
The rates always fluctuate with a HYSA. If you want a locked in rate you'll want to look into CD's. A CD will lock in the rate within a certain period of time but your money will be locked as well.
I reached $90k today. I began this journey in November 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area. Thanks to Katherine Miller for helping me achieve this.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
Same here., I strongly agree that the Bitcoin ETFs approval will be greatly life opportunity for us, with my current portfolio of $102,500 from my investments with my personal financial advisor Steve Miley I totally agree with you😊
YES!!! That's exactly his name (Steve Miley) so many people have recommended highly about him and am just starting with him from Brisbane Australia...🇦🇺
He's my family's personal Broker and also a personal Broker to many family's in the United states, he is licensed and a FINRA AGENT in the United States.
I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good stock recommendation on great performing stocks or Crypto will be appreciated..
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?? and How can i reach her, if you don't mind me asking???
Wealthfront Individual Cash Account is at 4%. Plus you can use it like a checking account, so no need to ever have money in a checking and miss out on interest
SoFi is at 3.8% now😢
Damn 😩
Pain 😢
That was such a big drop! 😢
And you have to have direct deposit to get the 3.8%
@@holmesqualityproducts yep, W-2 workers normally have Direct Deposit.
For the AMEX account you can set up withholding to pay taxes through out the year so you don’t have to pay it tax season. That a benefit!
Why doesn't anyone ever mention Wealthfront?
I was wondering the same and I figured it out. The Wealthfront account is a cash account, not a HYSA. With the cash account the money is swept into multiple partnered banks rather than an HYSA where your money is safely put within a single bank.
@@stills2359 got it! are you implying that Wealthfront cash account is not safe?
No Capital one mention?
They just got sued for not paying out their customers on the HYSA lmao
@martincamacho7722 not exactly... Read the lawsuit carefully
From your last video I learned about UFB DIRECT and I started banking w them. Initially if I’m not wrong it was a 4.5 percent interest rate but this year it dropped to 4.01. I’ll leave it for the rest of the quarter to observe and understand the market a bit more but eventually will pick some bank from this or newer video
I tried ufb for a couple months. Their ui is trash and theyve been reducing their apy. Plus, I saw they had some shady dealings with trump. Had to close it.
Bask is sitting at 4.5% still as of today.
Drop to 4.35%
@ yep. Bask down to 4.35 now.
Sofi keeps going down I’m pretty sure it’s gonna be at 3% soon
what are the best travel credit cards for 2025
what about wealthfront ?
What about CIT!??? Is that one good?
Jenius Bank: 4.5% APY. Openbank by Santander: 4.75% APY.
Turning 18 this is great information to have
is UFB direct not as good as it was last year? I feel like this should still have been a good contender for a High-Yeild savings account.
I feel like I’m not receiving the right financial advice to grow the money I work so hard for each day. Unfortunately, my funds aren’t keeping up with inflation. With interest rates currently declining, what steps should we take next?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience. If you're new to investing or don't have much time, it's best to get advice from an expert.
Many people underestimate the value of advisors until emotions lead to costly mistakes. A few summers ago, after my lengthy divorce, I needed support to keep my business afloat. I searched for licensed advisors and found someone highly qualified. Thanks to her expertise, she helped grow my reserve from $175K to $650K, even in the face of inflation.
Mind if I look up your advisr please?
Sure you can! LAUREN CHRISTINE CAMPBELL is the advisor I work with. Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for the lead. I just searched Lauren by her full name and easily spotted her page, very professional..
Is it smart to keep opening new accounts just to get the better interest?
How about capital one savings account?
It should definitely be on this list!
Yea 360 savings is at 3.80 also at the moment like sofi im with capital 1 I like it
Capital One is great and they actually have bank locations in some cities
Some UA-camrs only talk about things that they get paid affiliated marketing from. I've been noticing that
@ I make videos and I don’t get paid at all but I forget to mention certain things or cards.
What about axos hysa
I'm between Barclays and Bread financial. Sadly, I don't have 25k for the 200 bonus
I personally use the Apple savings account with Goldman Sac’s!
What do you guys think about EverBank's High Yield Savings Account. Currently the interest rate is at 4.30%.
wealthfront or fidelity will always be the best for hysa type accounts
Why?
@ unification of everything and highest returns. Fidelity has best customer support. Wealthfront has best app. If u didn’t want to be as diverse I would just do fidelity. But using at least 2 is good and a brick and mortar for deposits and other I personally stuff. Wealthfront best for hysa and fidelity for all long term investing. Fidelity also good to use if u get into bank account bonuses.
Apple has a HYSA at 3.9% interest is compounded daily and paid monthly. FDIC insured but I believe you need the apple credit card in order to apply. ( i use this with the apple credit card as the cashback gets automatically deposited into the savings account)
It compounds at 3.9% every day??
@ as per APPLE… I know it sounds crazy but that is what they state. I’ve just opened an account through them so I’ll see after the first month.
Those assholes restrict your account for no reason and give no explanation. Then they keep all your savings. I don’t know how they literally get away with robbery
@@Fernando_Tatis_Jr_propaganda I’ve heard of this I keep a small amount in there mainly whatever I get for cash back stays in there.
You're totally forgetting the best and safest "savings account" out there-short-term T-bills! Yeah, FDIC-backed savings accounts sound nice, but fun fact: the FDIC has less than 1% of the total deposits it insures. Meanwhile, T-bills are backed by the "full faith and credit" of the U.S. government-which might sound like a fancy way of saying nothing, but hey, the government has a money-printing machine, so it kinda means everything.
Don't be like me, wasting a whole decade burying my head in the sand with a regular savings account. Open a brokerage account (Vanguard, Fidelity, whatever), and buy T-bills at auction-for free! Oh, and here's the kicker: T-bill interest is tax-free at the state level, while savings account interest gets hit by both federal and state taxes. Uncle Sam always gets his cut… unless you play it smart!
Thank you
AmEx is 3.8% too
What happens if you are working a part time job and you stop direct depositing into SoFi after a while? Does the rate drop back down to 1%?
Ive seen people on the reddit group say yes it does
yes it does
Jenius Bank currently offers a 4.50 % APY HYSA
I’m new to all this. I’ve been banking with Bank of America (garbage I know). But I’m approaching $50k in my savings and only get like .70 cents a month. lol. I don’t understand banking at all.
Bread saving offer 4.4% with no string attached, it beats all your recommendation...
New to all of this stuff, are these variable or fixed? Do we get locked in forever with that rate? Thanks
They are definitely variable. To the rate of how often they change is up to the economy and the bank itself
The rates always fluctuate with a HYSA. If you want a locked in rate you'll want to look into CD's. A CD will lock in the rate within a certain period of time but your money will be locked as well.
@stills2359 thank you!
Criminal to not have Bask Bank in the list
If you pay for robinhood gold you can get 4.5% on your cash account
But you have to pay. What's the point of the 4.5
I reached $90k today. I began this journey in November 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area. Thanks to Katherine Miller for helping me achieve this.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Katherine Miller too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
all mentioned has no physical bank, so if something happen your money is gone
PayPal has 4.1%
Fidelity CMA is da way
2.21 % what’s some benefits that make them better then others? I like fidelity I have MJ roth and brokerage account with them for long term investment
Your information is not accurate, you need setup direct depost with sofi to get the 3.8% for saving
For the $300 bonus, you need to have a qualifying deposit of $5k, which is from your job so unless you are getting paid $5K a month, you won't get it
No Marcus? They're at 3.90%
CD Account online are little bit better right now gotta lock in one amount for a few months or year still have pay taxes on it
Sofi 3.8% now
Idk why Wealthfront isn’t in this video lol
ETRADE is 4.0%
I'm favoured financially with Bitcoin ETFs approval, Thank you buddy.$28,600 weekly profit regardless of how bad it gets on the economy.
Same here., I strongly agree that the Bitcoin ETFs approval will be greatly life opportunity for us, with my current portfolio of $102,500 from my investments with my personal financial advisor Steve Miley I totally agree with you😊
YES!!! That's exactly his name (Steve Miley) so many people have recommended highly about him and am just starting with him from Brisbane Australia...🇦🇺
He's my family's personal Broker and also a personal Broker to many family's in the United states, he is licensed and a FINRA AGENT in the United States.
The very first time we tried, we invested $1000 and after a week, we received 4500. That really helped us a lot to pay up our bills.
Steve Miley has really set the standard for others to follow, we love him in Canada🇨🇦as he has been really helpful and changed lots of life's
FYSA: Western dropped to 4.3 effective Jan 24th
Yes...I saw that APY drop on my account...SMH.
I like the haircut
Edit: 'third' out of your top five
My direct banking is at 4.45 % APY
I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good stock recommendation on great performing stocks or Crypto will be appreciated..
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?? and How can i reach her, if you don't mind me asking???