Mobile phone displaying a financial app with deposit settings, including frequency and amount, showing an account value of 56,396 dollars, with a bar graph and navigation icons at the bottom.
A smartphone displaying a banking app with a current balance of $5,000, growth projection graph, and account summary details including total deposits of $1,320,000, interest earned of $1,942,801, and fees paid of $35,124.

Introducing the Vie Capital Account. A modern replacement for the outdated checking account, the capital account gives you a safe and tax efficient way to put your money to work for you, without giving up your ability to spend it.

Imagine instantly being able to give yourself a pay raise, simply by changing where you deposit your paycheck.

The Old Way

Checking accounts were designed for a time when the primary financial concern for most was to keep their money in a safe place but still be able to use it anywhere. Sadly the evolution of the financial system has lead to institutions reaping all the benefit from breakthroughs and advancements while the checking account hasn’t changed in 5 decades.

A financial chart showing deposits, spending, and net worth over a period of time, with deposits in green at the top, spending in blue at the bottom, and net worth as a white line graph connecting data points.

Pretend you are making $60k per year and it is costing you about $60k to live.

Text displaying 'Annual Income: $60k' in green and 'Annual Expense: $60k' in blue.

Over a full 30 year working career, you will have made

$1,800,000

But your account balance will still be

$0

What Happens Behind The Scenes?

A bank puts your deposits with everyone else’s into one big pot. Then they borrow money from a larger source.

Icon of a person with the word 'You' underneath
A green circular icon with a question mark and the word 'Deposit' inside.
Bank icon with dollar sign and building silhouette

They offer the pot of deposits they have as a safety net to a larger source of funding.

A circular icon with the word 'Invest' and a dollar sign representing financial investment.

Using these borrowed funds, they invest, and make loans.

Icon of a hand with a coin above it, representing lending or giving.
Green circular icon with a graph and the word 'Grow' underneath.
Green circular icon with a money bag and dollar sign, labeled 'Profit'

The loans and investments generate a profit that goes back to the bank.

The New Way

Our capital account has 3 financial products that work together for you.

Text explaining that funds from paycheck deposits are used in a financial product with a blended strategy, yielding 8% to 12% annual interest, secured by an insurance wrapper.
Text-based image with content about a lift-off loan strategy, highlighted in pink and white on a black background.
Text explaining how insurance wrappers and carriers work to facilitate liquidity and support policy loans, including details about interest rates and asset transfer upon passing away.

Same Scenario as before.

Text graphic showing annual income of $60,000 and annual expense of $60,000 in green and blue.

Over a full 30 year working career, you will have deposited

$1,800,000

This will have grown to a value of $7,605,500. The insurance carrier would have the rights to $4,469,073 leaving you a balance of

$3,136,427