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feels like it should come with a reason, not just a marginal bump in yield.That's the spot a lot of people are in: emergency cash handled, no rush to buy stocks, but also no desire to watch money quietly lose ground to inflation.This is where a certain real estate fund starts to make sense. Instead of earning fractions of a percent in a traditional savings account, some investors are earning around 4.0% in income, paid out as dividends — roughly 10 times more than the national average savings rate, depending on where your cash is parked.It's not a savings account, and it's not meant to be. It's a next-layer option for money you want working harder without jumping straight into stocks or buying a rental property yourself.The fund comes from Arrived and is structured as a private real estate investment trust focused on single-family rental homes.Instead of buying one property and dealing with tenants, repairs, and vacancies, investors buy shares in a diversified pool of homes spread across multiple U.S. markets.At last update, the fund held dozens of properties and more than $20 million in net assets, with rental income distributed to investors through regular dividend payments.The strategy is deliberately boring in the best way: focus on growing metro areas, strong renter demand, and properties that are meant to produce steady cash flow rather than speculative upside.Over time, investors get exposure to both rental income and potential long-term appreciation, without needing to manage anything directly.The math behind the headline isn't complicated — it's just jarring when you see it laid out.National average savings account rates still hover around 0.4%–0.6% APY, depending on the survey and timing. While high-yield accounts exist, most people's everyday bank savings still sit near those lower averages.Set that next to a 4.0% dividend yield, and the comparison becomes obvious.On $10,000, a typical savings account might generate $40–$60 per year. At a 4% yield, that same $10,000 could generate around $400 annually in dividend income, assuming payouts remain similar.That gap, not marketing, is what drives interest here.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,858.47 +12.97 (+0.19%)Dow 3048,382.39 +319.10 (+0.66%)Nasdaq23,235.63 -6.36 (-0.03%)Russell 20002,508.22 +26.32 (+1.06%)VIX14.51 -0.44 (-2.94%)Gold4,329.60 -11.50 (-0.26%)Trending tickersBTC-USD Bitcoin USD 90,048.54 +195.12 (+0.22%)CVX Chevron Corporation 155.90 +3.49 (+2.29%)CL=F Crude Oil Feb 26 57.32 -0.10 (-0.17%)XOM Exxon Mobil Corporation 122.65 +2.31 (+1.92%)XRP-USD XRP USD 2.01 +0.01 (+0.73%)PortfolioSign in to access your portfolioSign inTop gainersFLNC Fluence Energy, Inc. 23.01 +3.23 (+16.33%)SNDK Sandisk Corporation 275.24 +37.86 (+15.95%)SMR NuScale Power Corporation 16.31 +2.14 (+15.10%)BIDU Baidu, Inc. 150.30 +19.64 (+15.03%)ASTS AST SpaceMobile, Inc. 83.47 +10.84 (+14.93%)Top losersPAY Paymentus Holdings, Inc. 28.47 -3.12 (-9.88%)KVYO Klaviyo, Inc. 29.32 -3.15 (-9.70%)LQDA Liquidia Corporation 31.40 -3.09 (-8.96%)APP AppLovin Corporation 618.32 -55.50 (-8.24%)PSNY Polestar Automotive Holding UK PLC 19.81 -1.56 (-7.30%)Most activeONDS Ondas Holdings Inc. 11.02 +1.26 (+12.91%)NVDA NVIDIA Corporation 188.85 +2.35 (+1.26%)PLUG Plug Power Inc. 2.2300 +0.2600 (+13.20%)INTC Intel Corporation 39.38 +2.48 (+6.72%)TSLA Tesla, Inc. 438.07 -11.65 (-2.59%)Top economic eventsEarnings eventsMy earnings eventsEarnings events