Want the main comparison? Read the full guide here → Index fund vs high-yield savings (main guide) →
High-yield savings vs index fund comes down to certainty vs growth — here’s the simplest way to think about it:
Savings is stable. Index funds can grow faster over the long run but can fall short-term. Use the calculator to compare scenarios.
Compare both outcomesTry a realistic savings rate and a conservative index-fund return assumption. The long-term difference may be larger than you expect.
Keep exploring — these pages connect directly to calculators so you can run your own numbers.
No. Returns vary and markets can drop significantly.
They’re generally lower risk, but interest rates change and inflation can reduce real returns.
Index funds have fees (often small). Fees still compound over time.
Often 10+ years, but it depends on your goal and risk tolerance.
Use the same timeline and contributions in /ETFvSavings.html and compare outcomes.