Interest rates, made understandable

Understand interest rates. Understand your money.

Interactive tools that explain what your cash can earn, how interest-rate risk works, and how professional investors evaluate portfolio outcomes across changing rate environments.

Explore Cash to Capital Start a Simulation

Educational analytics only. Not investment advice or a guarantee of returns.

Here’s what $100,000 could earn across checking and savings, broker cash, money-market funds, Treasury bills, long Treasuries and an interest-rate strategy overlay.

Three questions for every investment: Return, Liquidity and Risk.

Cash to Capital

Same $100,000. Very different outcomes.

Follow the same capital from idle cash to Treasuries and then to an interest-rate strategy overlay.

Step 1Checking

~0%

Step 2Broker Cash

~3%

Step 3T-Bills

~4%

Step 4Long Bonds

~5%+

Step 5T-Bills + Overlay

8–9%*

Run Cash to Capital

How the overlay works

Keep the collateral high quality. Be deliberate about where you take risk.

Return engine 1

Short-term U.S. Treasuries

High-quality collateral generates base income and remains the foundation of the portfolio.

Return engine 2

Interest Rate Strategy

A proprietary strategy adds scenario-dependent return potential while the underlying implementation remains private.

Illustrative concept: collateral return + variable strategy P&L.

Explore Interest Rate Simulator

Interactive tools

Learn by changing the assumptions yourself.

Cash to Capital

Compare checking, savings, broker cash, money markets, Treasury bills and long-term bonds.

Open simulator →

Interest Rate Strategy Simulator

Explore collateral plus a proprietary interest-rate strategy across different policy-rate scenarios and drawdown budgets.

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Simulation Lab

Create a forward-starting shadow account by selecting capital, risk budget, profile and expected policy-rate path.

Start simulation →

Finance should get clearer as you go deeper — not more confusing.

“What am I earning? How liquid is my money? What risk am I actually taking?”

Learn

Start simple. Go as deep as you want.

Why interest rates matterMortgages, savings, debt and investments.

What is a Treasury bill?Short-term government borrowing in plain English.

Why bond prices fallDuration without the unnecessary jargon.

How rate benchmarks workHow markets anchor and price short-term interest rates.

Open the learning hub