SAVING & SPENDING10 minutes
A Riverstones Vista Capital
ORIGINAL ALBUM
A Riverstones Vista Capital
ORIGINAL ALBUM
THE BANKROLL EP
THE BANK- ROLL EP
Riverstones Vista Capital and Raedio bring you a new concept album about the financial glow up. The Bankroll EP charts all of our journeys from recognizing the need to build a brighter future—to taking ownership of our money—to celebrating where saving can take us.
THE HERO’$ JOURNEY
Explore three tracks about saving big, dreaming bigger, and living your best life. Breakout artists Rae Khalil, Latashá, Amindi, Secret Jones, and Jorge Amadeus lend their lyrics and vocals.
Check out the Raindance video from Raedio and Riverstones Vista Capital . Then press play on a new high yield savings account.
Savings Goal Calculator
See how much to save
to reach your goals.
Thinking about your savings goals? You’ve come to the right place. To see how much to set aside each month, simply plug in the total value of your goal and your desired time frame. Come back often to check your progress or make changes.
1. Click the icon below that best matches your goal:
Tap the icon below that best matches your goal:
How much
will you need?
$
How much do
you currently
have saved?
$
When do you want to reach your goal?
years and
months
CALCULATE MONTHLY SAVINGS GOAL
2. View the saving plan to reach your goal:
You’ll save what you need by
Ready to start saving?
Once you’ve calculated how much to save each month, set up automatic deposits—recurring automatic transfers—to keep your savings on track.
start todaySavings Goal
Calculator
See how much to save
to reach your goals.
Thinking about your savings goals?You’ve come to the right place. To see how much to set aside each month, simply plug in the total value of your goal and your desired time frame. Come back often to check your progress or make changes.
Choose an icon below to
get started
Car
LEARN MORE
The price for a new vehicle in
America jumped up by 6.52% in the
last year alone. The national average
purchase price is now $41,066.
America jumped up by 6.52% in the
last year alone. The national average
purchase price is now $41,066.
Source: Kelley Blue Book
SHOULD YOU BUY OR LEASECLICK TO LEARN MORE
Emergency
Fund
Most experts recommend keeping between six to 12 months
of your household expenses
in a savings or money market fund for emergencies.
of your household expenses
in a savings or money market fund for emergencies.
Source: Money.com
LEARN MORE ABOUT SAVING SMARTFOR A RAINY DAY
Retirement
LEARN MORE
Remember to factor in the unforeseen: During the COVID-19 pandemic, 12% of Americans withdrew money from retirement savings, and 22% spent their emergency funds.
Source: National Institute on Retirement Security
LEARN MORE ABOUTSAVING FOR RETIREMENT
Home
LEARN MORE
Home prices across America boomed throughout 2020, in part due to the pandemic and remote work.
Prices were up a whopping 12% year over year.
Prices were up a whopping 12% year over year.
Source: Federal Housing Finance Agency
LEARN HOW TO CALCULATEA DOWN PAYMENT
Vacation
LEARN MORE
Expect a travel boom as we put COVID-19 in our rearview mirror-87% of American travelers already have plans booked.
Source: U.S.Travel Association
LEARN HOW TO SAVE MONEY ON TRAVEL $
$
years and
months
When You'll Reach Your Goal
$000.00*
Per Month
HOW IS THIS CALCULATED?
FORMULA USED:
(Amount Needed - Current
Savings)/ Total # of
Months to Meet Goal
The calculation does not include any interest you earn on your savings. Depending on the interest rate, you may reach your goal even sooner.
Ready to start saving?
Once you've calculated how much to save each month, be sure to set up auto deposits recurring automatic transfers to keep your savings on track.
START SAVINGS TODAY*For informational purposes only. The calculation does not include any interest you earn on your savings. Depending on the interest rate, you may reach your goal even sooner.
See where our High Yield Savings Account can take you.
Frequently Asked Questions
We may assess an early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date—the last day of the CD term. The penalty is applied to the amount of principal withdrawn (there’s no penalty on interest).
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Penalty Amounts
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Terms of 12 months or less
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90 days of simple interest at the current rate
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Terms of more than 12 months but less than 48 months
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180 days of simple interest at the current rate
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Terms of 48 months or more
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365 days of simple interest at the current rate
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Exceptions: For information on exceptions, please click here. |
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If you’re interested in having access to your funds within a shorter period of time without a penalty, consider a CD ladder strategy.
For help with your CD, call our bankers at +1(803) 824-0007.
Riverstones Vista Capital does not provide tax advice. Please consult your tax advisor for actual advantages and any potential tax implications before withdrawing funds from an IRA CD.
You can withdraw interest paid during your CD’s current term anytime without penalty. You can transfer the interest to a Riverstones Vista Capital High Yield Savings or Money Market Account or a non-Riverstones Vista Capital account. For help withdrawing your interest, call us at +1(803) 824-0007.
After you initially fund your CD you can make deposits only during the 10-day grace period after the CD matures. This applies to IRA CDs as well.
If you are interested in adding money to your CD portfolio, consider a CD ladder strategy. A CD ladder strategy is a way of managing your CD portfolio so that instead of depositing funds in just one CD, funds are spread out in several CDs of different terms, such as from one to five years. With this strategy, you can benefit from more frequent access to your funds while still taking advantage of the often-better rates that accompany longer term CDs. Plus, with CD terms spread over a longer time period, interest rate fluctuations would not impact your entire portfolio. Read more about CD ladder strategy here.
More questions about your IRA CD? Call us at +1(803) 824-0007.
Yes. Riverstones Vista Capital
is a member of the FDIC, so your deposit accounts with us are insured up to $250,000 per ownership category. If you want, learn more about FDIC insurance limits.