Click the thumbnail to access a helpful guide for comparing various aspects of the cash management and yield-oriented strategies available on the Vicus Capital platform.
| Ticker | Gross Yield 1 | Net Yield 2 |
|---|---|---|
| Fidelity | ||
| FDRXX | 4.06% | 3.76% |
| FZCXX (Account Minimum: $100,000)3 | 4.08% | 3.78% |
| FIGXX (Account Minimum: $1,000,000) | 4.23% | 3.93% |
| FRGXX (Account Minimum: $10,000,000) | 4.27% | 3.97% |
| Schwab | ||
| SNVXX | 4.07% | 3.77% |
| SGUXX (Account Minimum: $1,000,000) | 4.22% | 3.92% |
| Ticker | Gross Yield 1 | Net Yield 2 |
|---|---|---|
| Fidelity | ||
| SPRXX | 4.04% | 3.74% |
| FZDXX (Account Minimum: $100,000)3 | 4.16% | 3.86% |
| FMPXX (Account Minimum: $1,000,000) | 4.28% | 3.98% |
| FNSXX (Account Minimum: $10,000,000) | 4.32% | 4.02% |
| Schwab | ||
| SWVXX | 4.17% | 3.87% |
| SNAXX (Account Minimum: $1,000,000) | 4.32% | 4.02% |
| Ticker | Gross Yield 1 | Net Yield 2 |
|---|---|---|
| Fidelity | ||
| FTEXX | 2.73% | 2.43% |
| FTCXX (Account Minimum: $1,000,000) | 2.88% | 2.58% |
| Schwab | ||
| SWTXX | 2.75% | 2.45% |
| SWOXX (Account Minimum: $1,000,000) | 2.90% | 2.60% |
1 Gross yields of advisory solutions are net of any embedded fund expenses and are calculated before the deduction of investment advisory fees as well as Vicus Capital’s investment management fee and any other expenses for services not included in the advisory fee which would reduce portfolio yield.
2 Net yield includes deduction of 15 BPS investment management fee charged by Vicus Capital and assumes the maximum 15 BPS fee chargeable by an advisor. Actual net yields may vary dependent on the advisory fee charged.
| Program 3 | Gross Yield 1 | Net Yield 4 |
|---|---|---|
| KEEP (StoneCastle) | 3.04% – 4.00% | 2.74% – 3.70% |
1 Gross yields of advisory solutions are net of any embedded fund expenses and are calculated before the deduction of investment advisory fees as well as Vicus Capital’s investment management fee and any other expenses for services not included in the advisory fee which would reduce portfolio yield.
3 FICA satisfies the FDIC’s requirements for agency pass-through deposit insurance coverage. Program banks in the FICA network are FDIC-insured “banks” and “savings associations” as those terms are defined in the Federal Deposit Insurance Act. The current FDIC Limit is $250,000 per depositor per bank. For disclosure information related to KEEP by StoneCastle, please click here.
4 Net yield includes deduction of 30 BPS investment management fee charged by Vicus Capital, which is then split with the advisor. Actual net yields may vary dependent on the advisory fee charged.
| Risk Tolerance | Gross Yield 1 | Net Yield 5 |
|---|---|---|
| Conservative | 4.44% | 1.94% |
1 Gross yields of advisory solutions are net of any embedded fund expenses and are calculated before the deduction of investment advisory fees as well as Vicus Capital’s investment management fee and any other expenses for services not included in the advisory fee which would reduce portfolio yield.
5 Net yield includes deduction of the maximum allowable, combined fee of 250 BPS charged by Vicus Capital and the advisor. Actual net yields may vary dependent on the advisory fee charged.
| Program 6 | Gross Yield 1 | Net Yield 7 |
|---|---|---|
| as of 3/17/25 | as of 3/17/25 | |
| Lincoln Core Capital® Fixed Account | 4.00% – 5.25% | 3.00% – 4.25% |
1 Gross yields of advisory solutions are net of any embedded fund expenses and are calculated before the deduction of investment advisory fees as well as Vicus Capital’s investment management fee and any other expenses for services not included in the advisory fee which would reduce portfolio yield.
6 Rates and caps are declared by The Lincoln National Life Insurance Company at its discretion. Subsequent rates and caps may be higher or lower than the initial rates and may differ from those used for new contracts. Guarantees are subject to the claims-paying ability of The Lincoln National Life Insurance Company.
7 Net yield for Lincoln Core Capital® Fixed Account includes deduction of the maximum, combined fee of 100 BPS charged by Vicus Capital and the advisor. Actual net yields may vary dependent on the advisory fee charged.
| Risk Tolerance | Gross Yield 1 | Net Yield 5 |
|---|---|---|
| Conservative 4% | 5.18% | 2.68% |
| Moderate 5% | 5.97% | 3.47% |
1 Gross yields of advisory solutions are net of any embedded fund expenses and are calculated before the deduction of investment advisory fees as well as Vicus Capital’s investment management fee and any other expenses for services not included in the advisory fee which would reduce portfolio yield.
5 Net yield includes deduction of the maximum allowable, combined fee of 250 BPS charged by Vicus Capital and the advisor. Actual net yields may vary dependent on the advisory fee charged.
Yield rates are compiled by Vicus Capital from various sources including webpages (Fidelity, Schwab, StoneCastle, Lincoln) and corporate-produced fact sheets (Protection Focused Strategy, Active Income Strategy) and should be used for information purposes only. All information is believed to be from reliable sources; however, Vicus Capital makes no representation as to its completeness or accuracy. Please refer to the corresponding website or fact sheet for further details regarding the yields listed above. Information provided above is based on information Vicus Capital believes to be accurate and is subject to change without notice. Past performance does not guarantee future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Vicus Capital, Inc.), made reference to directly or indirectly in this page will be profitable, equal any historical performance level(s). Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. The Managed Money Market Solution and Private Client Strategies are offered through the Custom Solutions division of Vicus Capital. The Vicus Capital Fee-Based Annuity Platform is offered through the Managed Partnership Solutions division of Vicus Capital. The Active Income Strategy and Protection Focused Strategy is part of our Managed Solutions division. Vicus Capital is under separate ownership from any other named entity. Fidelity and Vicus Capital are independent entities and are not legally affiliated. Fidelity Institutional clearing services may be provided by Fidelity Brokerage Services, LLC and National Financial Services, LLC members NYSE/SIPC. Charles Schwab & Co., Inc and Vicus Capital are independent entities and are not legally affiliated. Charles Schwab Investment Management, Inc. (CSIM) is the investment advisor for Schwab Funds. Schwab Funds are distributed by Charles Schwab & Co., Inc. (Schwab), Member SIPC. CSIM and Schwab, are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.
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$65,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
Core Real Estate
Offers long-term exposure to conservative real estate investments. Appropriate for clients seeking steady growth in income.
Requirements
Perpetual Private Equity
Offers long-term exposure to earlier-stage companies before they reach public markets. Used to diversify return away from public markets.
Requirements
Core Real Estate
Offers long-term exposure to conservative real estate investments. Appropriate for clients seeking steady growth in income. Offers an additional 721 Exchange option, providing the ability to roll current real estate gains into the fund.
Requirements
Hedge Fund
This fund utilizes an Exchange Fund concept. The objective is to exchange appreciated stock for the returns of the Russell 3000 Index. This fund can be used to avoid immediate capital gain realization by exchanging the returns of the client’s currently held appreciated stock.
Requirements
$125,000
0.15%
Vicus Capital Fee
American Funds Fee
Account minimums vary by
strategy. Please reference the fee schedule for details.
Fee schedule varies by
provider. Please reference the fee schedule for details.
Fee schedule varies by client need.
$250,000
0.30%
$65,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$125,000
Passive Strategies
0.15%
Factor Strategies
Domestic Strategies: 0.55%
International Strategies: 0.65%
$100,000
0.30%
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$40,000
0.15%
$250,000
FlexChoice
Fee schedule starts at 0.35%
FlexChoicePro
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$50,000
0.00%
Fee schedule varies by annuity. Please reference the fee schedule for details.
1 Guaranteed income solutions vary by product and typically involve additional fees. Review specific product information details made available by the respective providers related to guarantees and costs involved.
$75,000
Fee schedule starts at 0.55%
1 As it relates to the Faith Based Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.40%
1 As it relates to the Faith Based Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.55%
1 As it relates to the ESG Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.40%
1 As it relates to the ESG Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$2500
$50,000
0.65%
1 As it relates to the Faith Based Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
$2500
$50,000
0.65%
1 As it relates to the ESG Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
$45,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.55%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.55%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$65,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$50,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$2,500
0.65%
Financial advisor receives 0.25% of this fee as the “Referring Associate”
$50,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$50,000
Fee schedule starts at 0.30%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$2500
$25,000
0.65%
$25,000
Fee schedule starts at 0.45%
1 Vicus Capital is solely responsible for the fund selection and construction of the portfolios and neither Capital Client Group, Inc. nor its affiliates are involved in such activities.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.33%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$150,000
Investment management fee is
a standard blended household
calculation comprised of the fee
schedules associated with the
strategies utilized
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$250,000
Fee schedule starts at 0.55%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.