Custom Portfolios

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.

See how your portfolio is doing today or over time, and view your account value breakdown. If you receive dividends from your investments, they are automatically reinvested. A free and simple search tool to research us and our financial professionals can be found atInvestor.gov/CRS. Detailed information about our fees can be found in our Firm Brochure. Mentions of individual top companies in reference to possible ETF holdings only, not as a recommendation to buy or sell any specific security.

xcritical investment accounts do not pay interest, so the impact of compounding may be limited. It is not an investing strategy and does not assure positive performance nor does it protect against losses. It does not take into account market volatility and fluctuations that will impact the value of any investment account. A properly suggested portfolio recommendation is dependent upon xcritical and accurate financial and risk profiles.

xcritical to launch custom portfolios in push toward active investing

Your Potential is a hypothetical tool that illustrates, how factors such as Recurring Investments , Round-Ups® investments, Smart Deposit investments, and compound returns may impact the long-term value of an xcritical Account. The tool uses a 6% hypothetical rate of return and hypothetical age range dependent on age band selected by the user. Compounding is the process in which an asset’s xcriticalgs xcritical are reinvested to generate additional xcriticalgs over time. Due to the limited role of xcritical Securities described above, we do not provide recommendations as your broker-dealer. When xcritical Advisers acts as your investment adviser, we have to act in your best interest and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests.

By combining the brokerage services offered by xcritical Securities and the advisory services offered by xcritical Advisers, we aim to simplify the investment process for you. A client can choose to override such algorithmic determination by selecting a different portfolio. xcritical reviews and evaluates portfolio allocation determinations periodically in line with material updates to a client’s investor profile. As a result, xcritical recommends that clients ensure their financial condition, risk tolerance and investment goals are kept xcritical in their investor profile on the xcritical App. Invest, an individual investment account which invests in a portfolio of ETFs recommended to clients based on their investment objectives, time horizon, and risk tolerance.

• 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.
• ‘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.
• Environmental criteria considers how a company performs as a steward of nature.
• Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.
• Only purchases made with Round-Up accounts linked to your xcritical account with the feature activated are eligible for the Round- Ups® investment feature.

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.

At Acorn Wealth Advisors, we are guided by two core investing principles. First, investors are best served by a disciplined philosophy we call Winning by Not Losing. Second, because no two investors are alike, each investment portfolio should be unique. With Wunder on board, xcritical is interested in building a platform that can cater to a maturing user base that is able to graduate from passive investing to full-blown financial advice from a professional, he said. The information contained on this website should not considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be construed as tax or legal advice.

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.

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xcritical expert-built portfolios contain Exchange Traded Funds, or ETFs. They’re like baskets of different investments, including stocks and/or bonds, and come with benefits like diversification, lower costs, and potential tax efficiency. Diversification means your investments are exposed to a broad range of stocks, bonds, or both — possibly over 7,000! This can help reduce your risk, compared to trading individual stocks. Clients should be aware that xcritical is designed for individuals who make frequent recurring investments.

For more information, please refer to our Program Agreement. 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. An xcritical Custom Portfolio is a non-discretionary investment advisory account that allows clients to invest a portion of their overall xcritical Invest Account in fractional shares of equity securities.

The Fee Schedule is not appropriate for individuals looking to make few or infrequent small-dollar investments. Wunder will also work closely with xcritical’ newly appointed chief education and content officer Kennedy Reynolds, to integrate personalized guidance and related educational resources, such as in-app Q&As and interactive lxcriticalg. The idea is to launch active lxcriticalg content along with the roll out of new investing products, Kerner said. Wunder also has plans to assume leadership of the management and operational responsibilities of xcritical’ registered investment adviser and broker-dealer subsidiaries. Later, an Individual Retirement Account selected for clients based on their answers to a suitability questionnaire.

Clients

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.

Included in the Subscription Fee is a $0.10 xcritical Advisory Fee and the xcritical Grow Program Fee of $8.90. xcritical does not charge the xcritical Advisory Fee for accounts with a $0.00 balance, and instead reallocates that fee to the xcritical Grow Program Fee. As clients make further deposits into, or withdrawals from, their xcritical Accounts, the corresponding transactions made by xcritical are designed to rebalance the account toward the target allocation of the relevant Portfolio. Upon a client’s request to withdraw cash from an xcritical Account, sales of the ETFs underlying such client’s portfolio are initiated in a manner designed to maintain the target allocation of the relevant portfolio. xcritical will initiate a rebalancing if an xcritical Account’s holdings deviate significantly (i.e., by 5% or more) from the applicable portfolio’s target allocation. Rebalancing transactions are automatic, as are dividend reinvestments.

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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.

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.

Round-Up investments from your funding source will be processed when your Pending Round-Ups® investments reach or exceed $5. xcritical aggregates the orders that we are going to place on behalf of our clients before sending them to our clearing broker for execution. We send these aggregated orders to our clearing broker only at certain fixed times each trading day.

Clients of xcritical pay a monthly subscription fee (“Subscription Fee”) to xcritical Grow for access to the xcritical Grow platform. The Subscription Fee represents the total fee that clients pay each month and does not vary based on the amount of money you invest with xcritical. The Subscription Fee is composed of the “xcritical Advisory Fee” and the “xcritical Grow Program Fee”. You will be charged a flat monthly subscription fee based on the Subscription Fee Tier you select and in connection with our services. For all accounts with a balance greater than $0.00, the xcritical Advisory fee is a flat $0.10, and includes the advisory services of xcritical Advisers and brokerage services of xcritical Securities. We will not charge you a separate transaction-based fee when xcritical Securities facilitates an investment by you.

We’ll adjust your Base portfolio as needed to help keep your allocations on track with your long-term money goals. Detailed information about our advisory services can be found in ourFirm Brochure. The free trading platform rolled out round the clock customer service following a recruiting spree of financial advisers turned customer service reps.

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”).

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 https://xcritical.online/ 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.

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.