Choosing The Right Product

Choosing the right product

Varntix offers different savings products because not all investors have the same goals, time horizon, or liquidity requirements.

The right product for you depends on how you want your capital to work and how much access you need while your funds are earning interest.

Choose Flexible Savings if you value access

Flexible Savings is generally better suited to investors who want to:

• Keep their funds available
• Maintain liquidity
• Earn interest without locking capital
• Hold assets in a more active or short-term way

This option is often used by investors who want income on idle balances while keeping the ability to withdraw or reallocate quickly.

Choose Fixed Savings if you value certainty

Fixed Savings is better suited to investors who want to:

• Lock in a fixed rate
• Earn predictable returns over a defined term
• Commit capital for a specific time horizon
• Structure part of their portfolio for stability and planning
• Prioritize clarity over liquidity

This option is often used by investors who are comfortable setting aside funds for a period of time in exchange for a more defined return structure.

A simple way to think about it

You can think of the products like this:

• Flexible Savings = access, liquidity, and day-to-day flexibility
• Fixed Savings = commitment, structure, and predictable returns

Neither is universally better, they serve different purposes.

Can I use both products?

Yes. Many investors choose to use both Flexible Savings and Fixed Savings as part of a broader allocation strategy.

For example, an investor may:

• Keep a portion of capital in Flexible Savings for access and liquidity
• Allocate another portion to Fixed Savings for higher certainty and longer-term planning

This approach can help balance liquidity needs with income objectives.