Savings rate vs ETF return: what matters most?

Savings interest is stable but usually lower. ETF returns can be higher over time, but they fluctuate. Use scenario testing.

Compare apples to apples

Use the same timeline and contributions. Then compare savings with a conservative ETF return assumption.

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.