not sure if it makes you any real returns besides what you put in there. The growth charts are terrible by design so you don't realize it you are not growing the money you invest, but it does help you save a little because it takes a week to get your money out. Surprise! They raised the maintenance fee from $1 a month to $3 a month. I suppose you could use some of the coupons so I gave it two stars. Be a lot cooler if they could show in a better graph that they actually grow your money.