How does the variable APY** for Market Trust actually work?

After you make a deposit, Save’s investment team works with our partners to fund investments in your selected portfolio which will accumulate a return or APY. Your returns could be higher or lower than expected depending on the performance of the portfolio, but they can never be lower than zero. In other words, your APY** comes from the performance of those investments — and if they perform well, so will the APY.