Short term notes

Short term notes have realized a net annualized return of 4.6% 1

Interest rates higher than most CDs, approximately 40X* the national average money market yield.

Open to recurrent investors only **

Realized net annualized return as of 3/31/2022* FDIC, as of Sept 20, 2021 - https://www.fdic.gov/regulations/resources/rates/
Please note, YS Short Term Notes carry different risk and liquidity profiles than CDs. Please see the Private Placement Memorandum and the applicable Series Note Supplement for additional information.

Every dollar counts

Park $5,000 or more in Short Term Notes for a few months while you decide what to invest in next helping to ensure your money is always working hard for you.

Capital One Logo

0.10%

APY

6-month CD
Ally Logo

0.20%

APY

6-month CD
Capital Holdings logo

Short Term Notes

4.60% 1

Realized net annualized return

as of 3/31/2022
Marcus Logo

0.45%

APY

6-month CD

National
Average

0.09%

APY

6-month CD
Yieldstreet logo

Short Term Notes

4.60% 1

Realized net annualized return

as of 3/31/2022
Capital One Logo

0.10%

APY

6-month CD
Ally Logo

0.20%

APY

6-month CD
Marcus Logo

0.45%

APY

6-month CD

National
Average

0.09%

APY

6-month CD
Source of comparative rates is Bankrate as of 11/1/2021.Capital Holdings Short Term Note series is not FDIC insured. Please note, CH Short Term Notes carry different risk and liquidity profiles than CDs. Please see the Private Placement Memorandum and the applicable Series Note Supplement for additional information.*FDIC, as of Apr 18, 2022 - https://www.fdic.gov/regulations/resources/rates/
# of Matured Offerings Total Matured Principal ($M) Target Net Annualized Return Realized Net Annualized Return Relative Return
0-3 Months 24 $118.9 3.1% 3.2% +0.1%
4-6 Months 36 $284.3 4.8% 4.9% +0.1%
7-9 Months 4 $37.6 5.7% 5.9% +0.2%
Total 64 $440.8 4.4% 4.5% +0.1%
* As of 12/31/2022. Table represents all short term notes offerings that have matured. Past performance is not a guarantee of future performance. Performance is calculated using the weighted average target and realized net return of each matured short term note. Annualized returns are calculated using an internal rate of return (IRR) calculation. All remaining short term notes that have not matured continue to perform in line with expectations.

Make Short Term Notes the beginning of your
Capital Holdings investment journey

No fees or expenses charged

Invest in a fee-free product

Short durations

Short-term product offering liquidity in less than 6 months

No promotional rates

Interest rate remains consistent for full duration

Rolling maturities

Invest multiple times to build an optimized earnings strategy

Monthly payments

Monthly interest payments paid directly into your Capital Holdings wallet

Consistent track record

Since 2019, performance of each note issued has been in line with expectations

Short Term Notes on Capital Holdings

Since May 2019, Capital Holdings has seamlessly been prefunding offerings with the Short Term Notes program before they launch on the platform. Performance of each note issued has been in line with expectations.

$215M

Amount invested to date

$150M

Principal and interest returned to investors

30

Fully matured deals

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