The World's First Rewards Brokerage.
Austin, TX
Joined January 2024
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Remember when travel rewards meant spending on a credit card?
Or just let the money you already invested earn them:
$200K invested → ~6 hotel nights/year
$500K → ~15
$1M → ~30
Crazy thought: maybe rewards should come from building wealth, not spending it.
With Silo, your stocks and ETFs can earn travel rewards too.
You’ve been saving points for that trip, but somehow it keeps getting further away.
Higher redemption prices, rising annual fees, and more rules to keep track of.
Here’s what’s changing, and how to rethink the way you earn rewards.
Boring is underrated because you cannot screenshot patience.
There is no victory lap for diversifying, ignoring noise, and sticking to a sensible plan.
Most of the work happens quietly.
A points balance is not a trip.
It is a balance with possible redemption paths.
Cash, portal bookings, and loyalty transfers can turn the same points total into very different outcomes.
Path 3: a loyalty transfer.
Points move into an airline or hotel program.
The transfer ratio matters, but so do award availability, taxes, fees, and what happens if the trip changes.
Travel rewards are easy to understand once you can picture the reward.
A flight.
A hotel.
A trip you were already planning.
Investing is often less tangible. You contribute today for a benefit that may be decades away.
Silo connects the two: long-term investing, with rewards you can use along the way.
The best thing about travel rewards isn't the points.
It's watching those points turn into a flight or a hotel you actually want.
Investing doesn't always feel that real. You put money away today, and most of the payoff can feel years away.
We think there's something interesting in bringing those two worlds closer together.
Trading more does not earn more Silo points.
Current Gold and Platinum Rewards terms calculate points from eligible month-end account value, then credit them the following month.
The program rewards ownership, not the number of orders.
72 hotel nights - For FREE.
That's what having a $250k portfolio invested with Silo can give you over a decade.
Here’s the math:
Now give it 10 years.
At 8% annual growth, that $250k becomes roughly $540k.
0.5% on that portfolio is now about $2,700 a year.
Or 11 hotel nights.
Credit card rewards got one thing very right:
People like working toward something they actually want.
A flight. A hotel. A trip.
But almost all of those rewards start with the same requirement: spend more.
Why shouldn't building wealth feel rewarding too?
There’s a strange tension in personal finance.
We tell people to think decades ahead, while most of the feedback they receive is measured in minutes.
Price moved today.
Portfolio changed this week.
Market is up.
Market is down.
Long-term investing asks for long-term behavior.
Our products should probably reflect that.
For decades, brokerages competed on access.
Then price.
Then ease of trading.
Those were real improvements.
But now that almost anyone can buy an ETF from their phone in a few seconds, we think the more interesting question is different:
What should a brokerage actually encourage you to do?
When more activity means more revenue, platforms have every reason to keep you trading.
For a long-term investor, a quiet month can be a perfectly successful one.
The best thing you can do for a long-term portfolio is painfully simple:
Stop interrupting it.
The problem is that life keeps giving you very good reasons to interrupt it.
Travel is a perfect example.
For a lot of people it’s one of the largest discretionary expenses they’ll have in a year.
And usually you fund it from cash that could have been invested, or by selling investments that were already compounding.