Where does your money earn more?
We compare the four most common options side by side. No inflated marketing: realistic estimated figures, real risk and small print included.
If you are hesitating between leaving your $2,000 in the bank, putting it in an indexed fund, buying crypto or connecting it to Pasivoo, this page is for you. Each option has its place — it depends on your goal.
| Dimension | Bank | Indexed funds | Crypto | Pasivoo |
|---|---|---|---|---|
| Estimated yearly yield | 0-2% | 6-8% | -50% to +200% | Variable (high target) |
| Loss risk | Minimal | Medium | Very high | Real and known |
| Liquidity | Instant | 2-5 days | Instant | 1-3 days |
| Minimum capital | €0 | €100 | €10 | $2,000 |
| Monthly effort | Zero | 30 min/month | Constant attention | 15 min setup, then zero |
| Fees | €0 | 0.2-1.5% yearly | 1-3% per trade | 30% on profit |
| Regulation | FGD (EU) | CNMV / EU regulator | Variable or none | ASIC (Australia) |
| Performance transparency | High | High (public) | Variable | Public Myfxbook |
- Bank
- 0-2%
- Indexed funds
- 6-8%
- Crypto
- -50% to +200%
- Pasivoo
- Variable (high target)
- Bank
- Minimal
- Indexed funds
- Medium
- Crypto
- Very high
- Pasivoo
- Real and known
- Bank
- Instant
- Indexed funds
- 2-5 days
- Crypto
- Instant
- Pasivoo
- 1-3 days
- Bank
- €0
- Indexed funds
- €100
- Crypto
- €10
- Pasivoo
- $2,000
- Bank
- Zero
- Indexed funds
- 30 min/month
- Crypto
- Constant attention
- Pasivoo
- 15 min setup, then zero
- Bank
- €0
- Indexed funds
- 0.2-1.5% yearly
- Crypto
- 1-3% per trade
- Pasivoo
- 30% on profit
- Bank
- FGD (EU)
- Indexed funds
- CNMV / EU regulator
- Crypto
- Variable or none
- Pasivoo
- ASIC (Australia)
- Bank
- High
- Indexed funds
- High (public)
- Crypto
- Variable
- Pasivoo
- Public Myfxbook
Net return on $2,000 over 5 years (estimate)
Estimate after 3% annual inflation and before taxes. Figures based on typical historical returns by category. Not a promise.
Barely grows. Inflation eats the return.
Stable long-term return.
Brutal range. Both +200% and -50% are possible.
Higher potential, higher risk. Not guaranteed.
Why the Pasivoo number carries an asterisk
Pasivoo does NOT guarantee returns. The figure above assumes winning months and contained losses within the risk management. Negative months can happen. Only deposit capital you do not need to live on, and understand the risk before starting.
Calculate your real case with your figure
Enter your exact capital and see on screen how much it would earn monthly with Pasivoo, compared to leaving it in the bank.
This page is informational and does not constitute financial advice. Figures are indicative estimates based on typical historical returns. Past performance does not guarantee future results.