Are Maya Savings and Personal Goals computed separately? How does the 100k cap work?

My assumption is that Maya Savings and Personal Goals are computed separately. The boosts only apply to Maya Savings.

However some references say that they aren't computed separately. How does that work?

Maya Savings - 3.5% per annum with possible boosts Personal Goals - 6% per annum

I have less than 100k Maya Savings but if you add my Personal Goals it reaches 100k.

It's just so confusing.