# Early Withdrawal

### **You Can Get Your Money Back Anytime**

Unlike banks that charge penalties for early withdrawal, FIVA lets you withdraw your money whenever you want - and you keep all the earnings you've accumulated so far.

**However, there's one important thing to understand:** The exact amount you get back depends on current market conditions. You're only guaranteed the full fixed amount if you wait until your chosen end date.

**Think of it like this:** Imagine you bought a concert ticket for $50 that's worth $100 on the day of the concert. If you need to sell it early, the price depends on how much people want that ticket right now - it might be $60 today, $75 next month, or $90 the week before the concert.

### **How Your Early Withdrawal Amount Changes:**

**General Pattern:** Your withdrawal amount typically grows over time, getting closer to your full fixed payout as you approach your end date.

**But it's not a straight line:** The amount can go up and down day by day based on market conditions, even while the overall trend moves toward your guaranteed amount.

**Example:**

<figure><img src="/files/UGip7VFZ4BODEEnjgO9W" alt="" width="563"><figcaption></figcaption></figure>

On January 1st, we deposited $92.50 into FIVA to receive $100 at the end of the year. The chart shows how much you would get back if you withdrew at different points during the year. While the overall trend moves toward $100 as maturity approaches, there are local ups and downs as the market revalues the expected returns remaining from the deposit until the maturity date.

You can also read the chart the other way—it shows how much you would’ve needed to deposit on different days to lock in a $100 payout by December 31st.

The closer you get to your end date, the closer your early withdrawal amount gets to your full payout - because there's less time and uncertainty remaining.

**Bottom Line:** You can always get your money back, you keep your accumulated earnings, but the exact amount fluctuates until you reach your chosen end date where it's guaranteed.


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.thefiva.com/fiva-basics/additional-help/common-issues/early-withdrawal.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.