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SoFi 4.6% APY!
Marcus by Goldman Sachs!
I have Marcus mostly because I got it 6 years ago when they had a promotion going for higher APY for 6 months and saw no sense in moving it anywhere else for 0.1% difference. Their app is good and when I need to transfer money out to my checking account it's usually pretty quick. Some banks can take longer for the transaction to clear.
HYSAs do not pay as much as stock market
Marcus is the best! If you use this link to create an account there, you will get an additional 1% interest for 3 months. https://www.marcus.com/share/ELE-5BB-YLLH
But it offers 4.5% APY while SoFi offers 4.6%
I know it's just 0.1% difference. But I'm curious why you prefer Marcus over SoFi or any other options out there?
I'm a rookie when it comes to finances & investment. So, trying to learn from the veterans :)
Wealthfront. Let me know if you need referral. I used to have Marcus but closed it more. Really love Wealthfront (Rates, UI, RoboAdvisor etc.) and I believe Wealthfront has higher rates than SoFi as well.
Fees for Automated Investing Accounts
We charge an annual advisory fee of 0.25% on all assets held within our Automated Investing Accounts. This fee is deducted monthly.* Wealthfront does not charge any account-opening fees, withdrawal or account-closing fees, trading/commission fees, or account transfer fees.
Wealthfront, I like the UI and being able to create buckets for certain savings
I just use it as a HYSA, I know they have that investment option but I already have an investing account with fidelity so I didn’t want to split my money up between the two.
Have 5.02% on Bread Savings (comenity account)
What is a comenity account?
Barclays
Vanguard money market, 5.27%
but doesn't it have a 0.11% expense ratio?
Use this link to get a Wealthfront Cash Account for 5.5% on the current APY! https://www.wealthfront.com/c/affiliates/invited/AFFA-YXPM-2A4K-MAC5
I use SoFi Checking and Savings, they give up to 4.60% APY and no account fees. Use my link to sign up and you’ll get a $25 bonus and up to $300 when you set up direct deposit. https://www.sofi.com/invite/money?gcp=aab31a56-b841-4b94-82c4-6da558efe6f2&isAliasGcp=false