the way i look at it, if my rate of return is at a minimum 2% on my investment in any of my brokerage accounts that already beats what the banks would be doing at barely 1% (ally) and places like bank of america which gives .01-.06% depending on your tier level-which is literally highway robbery- i had bands sitting with BOA and these fawkers werent even give me less than half of a percent on my moneyi'm focusing on M1 for the near term, i need to focus on more guaranteed growth. will practice less risky moves on my regular investment account