Keep everyday commitments visible
Consider bills, purchases and other near-term needs before moving funds from Available into an investment strategy.
Finanzer Earn
Give surplus money
a considered purpose.
Explore investment strategies for money you choose to allocate beyond everyday spending. Compare where returns come from, when you can withdraw and what could put the capital at risk.
When will you
need the money again?
Access matters alongside potential return. Earn is a separate allocation decision, not an automatic use of the money you need for everyday spending.
Understand the source of return
Look at what the strategy does, which provider or protocol is involved and whether the return is fixed or variable.
Read the withdrawal conditions
Lockups, withdrawal windows and liquidity constraints can affect when money becomes accessible again.
Consider the downside
Review possible losses, provider exposure and any asset or protocol risks. A quoted rate is not a capital guarantee.
Five parts of
an informed allocation.
Use the strategy’s actual terms to compare opportunities.
| Information | The question it answers |
|---|---|
| Return source | What activity is expected to generate a return? |
| Rate and variability | Can the return change, and over what period is it expressed? |
| Provider and asset | Who operates the strategy and what exposure am I taking? |
| Access | What can delay a withdrawal or prevent immediate use? |
| Fees and risk | What reduces the return, and how could I lose money? |
Return source
- The question it answers
- What activity is expected to generate a return?
Rate and variability
- The question it answers
- Can the return change, and over what period is it expressed?
Provider and asset
- The question it answers
- Who operates the strategy and what exposure am I taking?
Access
- The question it answers
- What can delay a withdrawal or prevent immediate use?
Fees and risk
- The question it answers
- What reduces the return, and how could I lose money?
Keep Available
and Earn distinct.
Decide on an allocation deliberately and follow the position separately from your spending money.
Review the strategy
Read the provider, return source, costs, access conditions and risks.
Choose an amount
Consider how the allocation affects the money remaining available for other needs.
Authorize the allocation
Confirm the move under the applicable agreement. A balance appearing in your account is not permission to invest it.
Earn is an investment or risk-bearing product. Returns and capital are not guaranteed, and funds can lose value.
Before moving money into Earn
Earn is a separate investment or strategy allocation. Capital and returns are not guaranteed. Review the provider, asset exposure and withdrawal terms before allocating money.
The rate depends on the strategy available to you. Review the current rate, whether it can vary, how returns are generated and which fees reduce them.
Access depends on the strategy. Lockups, liquidity conditions and processing times can restrict or delay withdrawal.
No. Moving money from Available into Earn is an explicit allocation decision. Any automatic arrangement would require its own terms and your authorization.
Understand the strategy.
Then choose the allocation.
Ask about the Earn services and terms available for your account.