Brokerages pay $200–$600 in transfer bonuses to acquire your assets — while treasury money markets yield 4–5% annually while you wait. Map every window. Move capital. Never let it sit idle.
Every brokerage bonus follows the same sequence. The Brokerage Engine maps every active window and tells you when to move.
While your transfer hold period runs, park cash in money market funds earning 4–5% annually. These are the current rates tracked by the Brokerage Engine.
| Fund | Type | 7-Day Yield | Transfer Bonus | Hold Period |
|---|---|---|---|---|
| Fidelity SPAXX | Treasury/Gov MM | 4.96% | up to $500 | 90 days |
| Schwab SWVXX | Prime Money Market | 5.01% | up to $600 | 90 days |
| Vanguard VMFXX | Federal Money Market | 4.94% | N/A | — |
| Robinhood Gold | Cash sweep | 5.00% | up to $200 | 60 days |
| Tastytrade | Transfer bonus | 4.85% | up to $500 | 90 days |
| Webull | Cash bonus | 4.90% | up to $2,000 | 90 days |
Open Window → Parked & Earning → Rolling to Next. The engine tracks where every transfer stands.
Yes. The Brokerage Engine is 100% free. All transfer bonus tracking, treasury yield routing, hold period countdowns, and rolling schedule features are available at no cost.
Brokerages pay cash bonuses to attract new assets onto their platform. Transfer your existing brokerage account holdings to a new brokerage, meet the minimum transfer threshold, hold for the required period (usually 90 days), and the bonus posts to your account. The Brokerage Engine tracks every active offer.
No. ACAT (Automated Customer Account Transfer) moves your holdings in-kind — stocks, ETFs, and other securities transfer without being sold. You don't trigger a taxable event, and your positions remain intact. Only the account custodian changes. Cash transfers are also eligible at most brokerages.
Money market funds (like Fidelity SPAXX or Schwab SWVXX) hold short-term government securities and currently yield 4–5% annually. During your 90-day hold period, your transferred assets can be parked in these funds — earning daily yield while the transfer bonus window runs. The Brokerage Engine routes your idle cash to the highest-yielding fund available at each brokerage.
Two transfers per year at $400 avg earns $800 in bonuses. Four to five transfers at $400–600 avg reaches $2,000+. Combined with 5% treasury yield on $25k held for 90 days per transfer (~$312 per cycle), a systematic operator can exceed $4,000 annually from brokerage arbitrage alone.
Yes. Brokerage transfer bonuses are typically reported as miscellaneous income (1099-MISC) and are taxable. Treasury money market yield is also taxable income. Consult a tax professional for your specific situation. The Brokerage Engine is an operational tool and does not provide tax advice.
Tracking transfer bonus windows, minimum thresholds, hold periods, expiry dates, money market yields, and rolling schedules across multiple brokerages simultaneously is unmanageable manually. The Brokerage Engine centralizes all of it — surfaces the highest-value windows, tracks your holds automatically, and tells you exactly when to move capital next.
The Brokerage Engine is built by War Room LLC — a company building intelligence-based command centers for extracting value from modern financial systems. Engine 04 on the War Room platform. Learn more at war-rooms.com.
Map the windows. Park the capital. Collect the bonus. Roll to the next one.
The engine tracks everything automatically.