Active uses of funds (spend on promotion services or power up and increase your curation or delegations to different programs) is almost always going to be a better return than the 'savings account' features of the Steem Wallet.
Our initial (surface-level) analysis of the savings accounts found them to be so useless that we never did a deep-dive into their functionality. Maybe there is some hidden benefit that was overlooked, but I doubt it.
Thanks for your reply... I had the idea of that is what was needed to be done. So, letting time take its course on my multiple delegations, I will start seeing a good ROI on these.