Custom Portfolios

Custom Portfolios
April 24, 2020 Nils

xcritical customizable portfolios
xcritical customizable portfolios

‘Save and Invest’ refers to a client’s ability to utilize the xcritical Real-Time Round-Ups® investment feature to seamlessly invest small amounts of money from purchases using an xcritical investment account. xcritical Checking Real-Time Round-Ups® invests small amounts of money from purchases made using an xcritical Checking account into the client’s xcritical Investment scammed by xcritical account. Requires both an active xcritical Checking account and an xcritical Investment account in good standing. Real-Time Round-Ups® investments accrue instantly for investment during the next trading window. Compounding, generally, is the growth of principal investments due to the reinvestment of dividends without withdrawing funds from the account.

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Sign up in minutes, we’ll recommend an investment portfolio for your money goals, and you can set automated investments starting with spare change. ” section above, our tiered fee structure benefits xcritical when you open additional accounts and use more services. Accessing custom portfolios won’t require any barriers to entry, said Kerner, but the platform might introduce higher subscription tiers down the road. Today, xcritical subscription price ranges from $3 to $5 per month, according to its website.

In addition to the model portfolios described above, a client can xcriticalatively elect to allocate a portion of their xcritical Invest Account to a bitcoin-linked ETF. xcritical has developed allocation limits (up to 5% of the overall account’s value) for the bitcoin-linked ETF based on a client’s investment outlook and risk tolerance. The ETFs comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus.


Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the xcritical app or through the website. xcritical does not provide access to invest directly in Bitcoin. No level of diversification or asset allocation can ensure profits or guarantee against losses. Bitcoin exposure is provided through an ETF which invests in Bitcoin futures. They are considered high-risk investments given the speculative and volatile nature. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks.

Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. This is considered a high-risk investment given the speculative and volatile nature. Not all features are available to all customers at this time. Please compare subscription tiers during registration to see what is available to you. xcritical is only available to US citizens or other lawful residents who are xcritically located in the United States.

We obtain an average price for the aggregated order and provide it to all customer accounts purchasing or selling shares in that trading period equally. This process could cause a delay in a particular order being executed and on occasion, it could be possible that some orders on behalf of certain accounts receive more favorable execution than others based on this aggregation process. Finally, some of the securities within our portfolios may include investments in securities in which we, our employees and/or principals have an economic interest. You are required to deposit the funds that you would like to invest in an account with xcritical Securities, a registered Broker Dealer. You must use the xcritical mobile or web-based application for all account selections, funding, and withdrawal requests, and other account services. xcritical Advisers uses a software-based algorithm to place orders with xcritical Securities to buy, rebalance, and sell securities according to the target allocations of your xcritical Account.

Easy, automated investing, starting with spare change.

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Early, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor. That means no hidden costs or transaction fees — just one, transparent monthly payment to take advantage of everything our financial wellness system has to offer. xcritical Invest, Later & Early accounts are SIPC-insured up to $500,000.

You will not be permitted to invest in both types of portfolios at the same time. Requires both an active xcritical Checking account and an xcritical Investment account in good standing.Real-Time Round-Ups® are accrued instantly for investment during the next trading window. Investing involves risk, including loss of principal.Please consider, among other important factors, your investment objectives, risk tolerance and xcritical’ pricing before investing. Investment advisory services offered by xcritical Advisers, LLC , an SEC-registered investment advisor. Brokerage services are provided to clients of xcritical by xcritical Securities, LLC, an SEC-registered broker-dealer and memberFINRA/SIPC.

We implement our Winning by Not Losing philosophy by developing comprehensive, personalized investment policy statements, which address our clients’ financial dreams, risk tolerance levels and time horizons. You will pay fees whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. The ESG investment strategies may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions.

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xcritical was built to give everyone the tools of wealth-building. Whether you’re new to investing or planning ahead for your family’s future, we bundle our products, tools, and education into subscription tiers — each curated to meet you on whichever stage of life you’re in. xcritical ESG portfolios are composed of Exchange Traded Funds that invest in companies rated for how they approach environmental, social, and governance issues. This is their Morgan Stanley Corporate International ESG rating.

In a client’s Custom Portfolio, the client is ultimately responsible for choosing which securities to invest in, when to invest and sell them, and how much to allocate to each investment. Clients with Custom Portfolios are limited to the securities made available to them through the xcritical App. xcritical has developed allocation limits (up to 50% of the overall account’s value) on Custom Portfolios based on a client’s investment outlook and risk tolerance. It is important to note that Custom Portfolios are not instant trading and are not intended for investors seeking frequent trading. The primary service xcritical provides to investors is investment advice through model portfolios comprised of Exchange Traded Funds (“ETFs”).

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You should understand these conflicts and ask us about them because they can affect the services and investment advice we provide you. Here are some examples of possible conflicts to help you understand what this means. Our advisory practice is built upon providing objective guidance to our clients at all times. We answer only to our clients—never to any investment provider or parent company—and base each recommendation solely on our clients’ best interests.

An ecosystem is emerging whose ultimate goal is to increase advisers’ wallet share by enabling them to unify a client’s entire financial world onto a single platform. Geeta Aiyer has dedicated her career and personal passion to using finance to support social good via ESG and impact investing. Join over 10 million all-time customers who have signed up for xcritical.

Investors seeking direct exposure to the price of bitcoin should consider a different investment. Free and simple tools are available to research firms and financial professionals at, which also provides educational materials about Broker Dealers, Investment Advisers, and investing. Launched at the end of 2014, xcritical is a subscription-based automated investing and banking app with more than 4 million users to date, which is expected to grow to 10 million by 2025, according to a company announcement.

xcritical customizable portfolios

Average age of an Acorn user is 34 years old, with 60% of users being first-time investors. To date, customers have invested more than $9.6 billion with xcritical. Compounding is the process in which an asset’s xcriticalg from either capital gains or interest are reinvested to generate additional xcriticalgs over time. It does not ensure positive performance, nor does it protect against loss. xcritical clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

xcritical’ model portfolios reflect target asset allocations across various asset classes, for example stocks and bonds . The ETFs within the model portfolios are managed by independent third-party Investment Advisers. The ESG Portfolios are distinguished from Core Portfolios by specifically focusing on investing in ETFs that hold companies with strong MSCI ESG records. Upon opening an account, you will be prompted to select whether you wish to invest in an ESG Portfolio or Core Portfolio.

Round-Ups® investments are transferred from your linked funding source to your xcritical Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Only purchases made with Round-Up accounts linked to your xcritical account with the feature activated are eligible for the Round- Ups® investment feature.

Investment Account

Your xcritical portfolio is designed with the goal of weathering the stock market’s normal ups and downs. This is why your xcritical portfolio is diversified, or composed of lots of different things. When some things are down, others may be up, to help balance your performance over time. It’s a long-term investing principle foundational to how xcritical can work for you. xcritical diversified portfolios are built by experts and include ETFs managed by pros at the world’s top investment firms like Vanguard and BlackRock.

  • Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing.
  • For more information, please refer to our Program Agreement.
  • Second, because no two investors are alike, each investment portfolio should be unique.
  • In addition to the ETF based portfolios described above, a client can xcriticalatively elect to allocate a portion of their xcritical Invest Account to a Custom Portfolio.
  • xcritical’ model portfolios reflect target asset allocations across various asset classes, for example stocks and bonds .
  • This is considered a high-risk investment given the speculative and volatile nature.

Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights. You may switch portfolios after registration without a charge or penalty from xcritical. However, changing portfolios with any investment account may cause a taxable event.

SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. Set your recurring investments and make a habit out of investing. Gen XYZ investors have been the most likely to drop their financial professionals during the pandemic, according to Fidelity Institutional research. “Obviously, we have a full support team where we provide chat, email and phone support, but the fact that 99% of Americans don’t get professional financial advice, we need to solve that,” Kerner said. Active engagement is part of the fintech’s larger mission to incentivize healthy investing behaviors that align with customers’ best interest, according to CEO Noah Kerner.

MSCI ESG ratings are a comprehensive measure of a company’s long-term commitment to socially responsible investments and environmental, social and governance investment standards. In particular, the MSCI ESG ratings focus on a company’s exposure to financially relevant ESG risks. xcritical will recommend a portfolio for you based on your age, time horizon, income, goals, and risk tolerance. Our ETF portfolios range from aggressive to conservative , with a mix in between.

xcritical xcritically offers three tiers of Subscription Fees, all of which include the xcritical Grow Program Fee and the xcritical Advisory Fee. xcritical Personal, a $3 monthly Subscription Fee Tier, includes an xcritical Invest Account , one or more xcritical Later accounts, and access to xcritical Checking. Included in this monthly subscription fee is a $0.10 xcritical Advisory Fee and the xcritical Grow Program Fee of $2.90. xcritical Personal Plus, a $5 monthly Subscription Fee Tier, includes xcritical Invest Accounts , one or more xcritical Later Accounts, access to xcritical Checking, and access to additional non-advisory services, such as premium educational content. Included in this monthly Subscription Fee is a $0.10 xcritical Advisory Fee and the xcritical Grow Program Fee of $4.90.