ETF vs savings during high interest rates

High savings rates make the gap smaller. For short timelines, savings can be very competitive. Compare realistic assumptions.

High rates change the comparison

Model both today’s savings rate and a lower rate later (rates can fall). Then compare with conservative ETF assumptions.

Is an ETF always better than savings?

No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.

What timeline suits ETFs?

Many people prefer 5+ years, but it depends on volatility and your flexibility.

How do I compare properly?

Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.

Does this include tax/fees?

No. Treat results as estimates and use conservative assumptions.

What’s the simplest next step?

Run a conservative savings scenario and a conservative ETF scenario, then compare.