Taking the guessword out of investing.
BUILD WEALTH OVER TIME. RETIRE SOONER.

What kind of investor are you?

Thinking about investing?

If you are new to the stock market, you probably have a few concerns.

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Already Investing?

If you are already investing in the stock market, you may have a few concerns.

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Offshore Investor?

If you are a non-U.S. investor, you may have some of the following concerns.

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THINKING ABOUT INVESTING IN THE STOCK MARKET?

If you are new to the stock market, you probably have a few concerns.

You want to invest in your future but have no idea where to start.

Once you open your free trial account at InvestPlex, we will guide you through a 5-step process to create your own personalized investment portfolio. Your new portfolio will be based on a few risk-assessment questions such as return objective, time horizon, age, etc. When this process is completed, you will be able to go to any online broker, open an account and buy the securities suggested to you by InvestPlex. After that, InvestPlex will monitor your portfolio 24/7 and will email you if changes are needed.

You’re afraid to start investing in the stock market because you don’t know how to do it or you’re worried about losing all your savings.

InvestPlex is not a trading platform and we don’t believe in buying or selling individual stocks or bonds. We take a more institutional approach. We use modern portfolio theory to help develop investment portfolios. Modern portfolio theory is a disciplined process that institutional investors, such as pension funds, use and is based on a long-term approach. The focus is on achieving investment returns in accordance with future financial responsibilities.

You have heard many times that investing in the stock market is like betting on a game of roulette.

If you are constantly buying or selling stocks based on rumors, TV ads or financial gurus’ recommendations, you are probably better off just going to Las Vegas and spending your savings there. InvestPlex doesn’t use individual stocks or bonds to build portfolios and we will never suggest that you to buy the hottest stock out there or suggest portfolios based on short-term market movements. InvestPlex’s approach recognizes that investing for the future requires discipline and a well-defined plan.

You think that if you invest in the stock market, you will have to spend your life worrying about the ups and down of the market.

With InvestPlex, you don’t need to be on top of your portfolio trying to figure out when, how or what to buy and sell. InvestPlex will monitor your portfolio 24/7 and will email you alerts to let you know if your portfolio needs to be rebalanced (buy or sell assets). You will need to rebalance your portfolio whenever your portfolio drifts from your original asset allocation and puts your investment goals in jeopardy.

You think that investing in the stock market is just reserved for millionaires.

The use of new technologies, the easy access to low-cost online brokers and the growth of new financial instruments such as ETFs has democratized access to Wall Street. Nowadays, anyone can start investing in the stock market without worrying about minimum investment amounts. InvestPlex provides access to these new technologies and uses ETFs to suggest personalized investment portfolios which take the guesswork out of investing.

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ARE YOU ALREADY INVESTING IN THE STOCK MARKET?

If you are already investing in the stock market, you may have a few concerns.

You already have a brokerage account and you are ready to invest in your future, but you do not know where to start.

Your first step should be to open your free trial account at InvestPlex. We will guide you through a 5-step process to create your own personalized investment portfolio that will be based on a few risk-assessment questions, such as return objective, time horizon, age, etc. When this process is complete, you will be able to go to your broker and buy the ETFs InvestPlex has suggested to you. InvestPlex will then monitor your portfolio 24/7 and email you if any changes are needed.

Your investment adviser or expert friend recommended that you buy several mutual funds a long time ago. You feel that those investments are not performing very well, and worst of all, your adviser or friend is gone and you may have mutual funds that are no longer doing you any good.

If your investment portfolio is composed of mutual funds, you probably paid 5 percent as an upfront commission and are paying around 1.5 percent per year in management fees. This may be the main reason you feel your portfolio is not growing in comparison to your initial investment. Also, since you bought those mutual funds, no one ever told you to rebalance or make changes to your portfolio.

There is a very high probability that your current portfolio is not representing your investment goals anymore. Using InvestPlex at this stage will help you build and manage a new investment portfolio using your current broker. There is no need to change or close your account. Simply open your free trial account at InvestPlex, and we will guide you through a 5-step process to create your own personalized investment portfolio that will be based on a few risk-assessment questions, such as return objective, time horizon, age, etc. When this process is completed, you will be able to go to your broker, sell all your mutual funds and buy the ETFs InvestPlex has suggested. InvestPlex will then monitor your portfolio 24/7 and email you if any changes are needed.

You feel you are trading too much. You are constantly buying or selling stocks without getting anywhere.

Constantly buying and selling securities is a zero-sum game in the sense that sooner or later, all your winnings are going to be wiped out by your losing trades. Investing for the future in order to create or maintain wealth requires a more disciplined approach and doesn’t involve short-term trading. You need to have a plan that reflects your own risk tolerance, return objectives and a portfolio-rebalancing policy in order to remove emotions as much as possible from investment decisions. With InvestPlex, you’ll have access to the latest technology based on modern portfolio theory. This will allow you to build and manage your own investment portfolio without worrying about the ups and down of the stock market. InvestPlex will monitor your portfolio 24/7, and if necessary, will email you alerts explaining how to rebalance your portfolio.

You feel your portfolio is not making any money.

If you feel your portfolio is not making any money, you’re probably trading too much. You’re probably following someone’s “expert” recommendation or trading on the latest quarterly results from a very “promising” company. Or maybe you just have a lot of mutual funds that are eroding your returns through expensive management fees that you don’t understand or that were never disclosed to you. With InvestPlex, you will have access to an online portfolio management application that uses modern portfolio theory to help you build and manage your investment portfolio through a solid asset allocation based on your unique objectives and constraints as well as on the most liquid and tradable ETFs in order to reduce management fees.

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ARE YOU A NON-U.S. INVESTOR (OFFSHORE ACCOUNT) ?

If you are a non-U.S. investor (offshore account), you may have some of the following concerns.

You have a lot of offshore mutual funds in your portfolio and have no idea why you have so many of them.

Offshore mutual funds are by far the most convenient investment recommendation your broker or banker will ever give you because this is how they get paid. They get paid by the mutual fund companies through sales commissions and through ongoing hidden fees every time they sell a mutual fund to investors like you. InvestPlex doesn’t use mutual funds to build portfolios, and we will never suggest any mutual fund to you. If you want to create or maintain wealth for your future, you need to avoid those expensive mutual fund management fees. InvestPlex is an online portfolio management application that uses modern portfolio theory and low-cost ETFs to help you build and manage your investment portfolio in a more reliable and unbiased way.

You wonder why you have not heard much about ETFs or why your banker or broker has never mentioned them.

ETF investing has been growing at a higher rate than mutual funds over recent years. They offer the same diversification as mutual funds with much lower management fees (around one-fifth of mutual fund fees). The best thing about ETFs is that you can trade them anytime during market hours without paying upfront commissions. The only cost anyone has when buying an ETF is the trading costs (in the U.S., online brokers charge around $10 per trade) so if your banker or broker wants to charge you more, then you should be able to negotiate with them.

Additionally, if brokers have access to stocks registered in the United States, then they definitely have access to ETFs. They are probably not mentioning ETFs because they do not have any economic incentive to do so. They are better off suggesting that you buy offshore mutual funds or structured products because they get paid more.

Using InvestPlex to manage your portfolio can work in conjunction with your broker or bank. In fact, because InvestPlex does not have custody of your money, it is better if you keep your money with them and use InvestPlex as your personalized advisor to guide you through the ups and downs of the market. InvestPlex uses modern portfolio theory and low-cost ETFs to build and manage a diversified portfolio. InvestPlex will send you alerts over time about when and how to rebalance your portfolio in order to increase the chances of accomplishing your investment goals.

You think that you will pay income taxes if you buy an ETF even if you are a non-U.S. investor. You think the only alternative you have is an offshore mutual fund.

As a non-U.S. investor, your bank or broker will request that you fill out a W-8BEN form. This form tells the IRS that as a foreign investor you are not subject to tax being withheld from investment income. With the W-8BEN properly filled out, you can get a discount on the tax rate or get an exemption from paying taxes at all. This exemption depends on the tax treaty between your country of residence and the U.S.A. If your bank or broker tells you that the only option you have as a non-U.S. investor is to buy offshore mutual funds, they are wrong. You can invest in ETFs because you have filled out a W-8BEN form every year, which protects you from the improper withholding of tax.

InvestPlex is an online portfolio management application that uses the most liquid and tradable ETFs to help you build, manage and monitor your investment portfolio 24/7 and lets you know when and how to rebalance your portfolio.

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2017-10-19T17:57:34-04:00