Increase your deposits without paying for them.
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You have two types of competitors – rate competitors and return competitors. Rate competitors are other community banks and credit unions that use rates to compete for deposits. The other type of competitors are national banks that use Money Market Funds (MMFs) to attract depositors, who become self-investors seeking high return.
To compete with your peers, simply use the Deposits Dynamics model to optimize your rates. To compete with MMFs of national banks, use the Scientifically Predictable model to maximize the market return for your customers/members. In 2024, self-investors, who used the Scientifically Predictable program, earned a return of 29.7% with an alpha of 6.4% (See below) and without paying any advice fees or product commission. |
Scientifically Predictable returned 29.7% with an alpha of 6.4% in FY 2024
Key benefits to your customers/members:
Key benefits to you:
- Your customers or members will outperform the market with high level of confidence.
- They do not have to pay fees to an investment advisor, or commission to the blocker.
- They do not have to constantly monitor the market or make frequent repositioning.
Key benefits to you:
- Eliminate the risk of attrition and shift of money to national banks kor brokerage firms.
- Reduce expenses by eliminating yield on Scientifically Predictable checking accounts.
- Increase your liquidity at no cost by establishing a minimum balance for these accounts.
- Enhance loyalty to your institution resulting from greater financial performance.
The science behind the Scientifically Predictable self-invest model
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