The Fixed Return Sweep Protocol
At VestWits, we believe that every cent of your portfolio should be actively working for you. While equities provide the engine for long-term compounding, unallocated cash must not remain stagnant. Our Fixed Return Sweep Protocol automatically routes your uninvested liquid capital into a network of FDIC-insured partner banks.
By aggregating client capital at an institutional scale, we are able to negotiate significantly higher overnight lending rates and short-term U.S. Treasury yields than a retail client could secure individually. This fixed yield accrues daily and is deposited directly into your account on the first trading day of each month.
5.25% APY Target Rate
Our current institutional target yield. This variable rate scales dynamically with the Federal Reserve's Federal Funds Rate, ensuring you are always receiving macroeconomic baseline returns.
$2.5M FDIC Insurance
By splitting your uninvested capital across multiple Tier-1 banking nodes, we multiply the standard $250,000 FDIC insurance limit up to $2.5 Million, providing sovereign-level security.
Important Disclosures
The Annual Percentage Yield (APY) is variable and subject to change without notice based on prevailing macroeconomic conditions and Central Bank policy. VestWits Brokerage, LLC is not a bank. The cash sweep program routes funds to program banks where they become eligible for FDIC insurance up to applicable limits.