In Ryan’s opinion this is the safest and best place to park your cash. The average minimum return for those who qualify is about 1.5% – 2% net of fees. The average return is about 6% per year. This product has other amazing benefits as well that will help you protect your savings, protect yourself in the event of a health event, as well as provide the best way to pass on your money to your beneficiaries if you die. All of this with a lot of liquidity and access to your funds.