WORKPLACE WEALTH, REIMAGINED
CapitalEvolve is a workplace investment benefit built to help employees grow long-term wealth without locking away their money.
Product in development. No investment accounts are open today.
TOTAL ACCOUNT VALUE
$12,480.72
↑ $482.61 illustrative growth
ILLUSTRATIVE PRODUCT VISION
BUILT AROUND A SIMPLE IDEA
THE MISSING MIDDLE
A savings account protects money you may need soon. A 401(k) is built for retirement. CapitalEvolve is designed to sit between them: invested for growth with more direct access than a traditional retirement account.
| What matters | Savings account | CapitalEvolve THE SPACE BETWEEN | 401(k) |
|---|---|---|---|
| Employer contributions | Uncommon | Available if offered under the employer’s program | Often available, subject to plan rules |
| Market investments | No | Yes, through a future regulated brokerage/custody provider | Yes, through plan investment options |
| Accessible while employed | Generally yes | Generally yes Securities may need to be sold and settled before transfer | Generally restricted Taxes, additional tax or plan rules may apply |
| Investment loss possible | Generally no for eligible insured deposits, subject to coverage limits | Yes | Yes |
| Tax-deferred investment growth | No | No under the planned taxable account structure | Generally yes, subject to plan and tax rules |
| Retirement account | No | No | Yes |
| FDIC insurance | Eligible bank deposits may qualify | Securities do not qualify | Securities do not qualify |
| Portable | Yes | Designed to remain employee-owned when jobs change | Generally portable or rollover eligible, subject to plan rules |
This comparison is provided for general educational purposes and does not constitute tax, legal or investment advice. Product characteristics may vary based on employer program terms, financial institution arrangements and individual circumstances. Eligible bank deposits may be covered by FDIC or NCUA insurance subject to applicable limits. Securities are not FDIC insured. CapitalEvolve is not a 401(k) or bank savings account.
FOR EMPLOYEES
Understand what you contributed, what your employer added, what is invested and what is available in cash according to future provider records.
FOR EMPLOYERS
Designed to help employers support employee financial resilience with a configurable workplace investing benefit.
HOW IT IS DESIGNED TO WORK
Select a diversified portfolio aligned to a general risk profile or an income-focused approach. Final portfolios will be provided through regulated partners.
Use payroll contributions and see any eligible employer contribution separately. Personal deposits may not qualify for an employer match.
Track invested value, available cash, personal deposits and employer contributions without combining unlike amounts.
Request available cash or sell investments for withdrawal. Timing depends on market settlement, banking and account conditions.
PROPOSED PRICING
Employee contribution and annual account fees are proposed and remain subject to legal, brokerage and commercial approval. Final fees and third-party expenses will be shown before authorization.
proposed fee on each employee contribution: $0.50 on $100
proposed annual fee on account assets, not only gains or dividends
per year for each $1,000 held for a full year, before other expenses
planned monthly platform fee per eligible employee, by tier
THE IMPORTANT PART
No. CapitalEvolve is being designed as a complementary workplace wealth benefit, not a retirement-plan replacement. Employees should evaluate retirement savings, emergency cash and taxable investing as different parts of a financial plan.
CapitalEvolve does not plan to hold customer funds in its operating accounts. A future regulated brokerage or custody provider would open and/or maintain the brokerage account, hold applicable assets and execute transactions. No provider is currently represented as contracted.
No. Investment values can rise or fall. CapitalEvolve-linked investment accounts are not bank deposit accounts, and securities are not FDIC insured or guaranteed by CapitalEvolve or a participating employer. Any future cash-sweep protection would be explained separately from securities.
The employer experience is planned around eligibility, contributions, adoption and aggregate program reporting. It should not expose an employee’s private holdings, withdrawals or individual balance.