The funds in your account are held under your name at Interactive Brokers, LLC to FINRA, Registered broker dealer, (www.finra.org) and regulated by the Security Exchange Commission (SEC). The Securities Investor Protection Corporation (SIPC) insures your account at Interactive Brokers against potential fraud. For more information on SIPC insurance, please visit www.sipc.org.

All investments carry some type of risk. The securities you hold in your account are subject to market volatility and risk. If the markets go up, most probably your account value will go up as well. When markets are down, your account can lose money. While over short period of time fluctuations are part of the markets, historically over the long term your investments will likely increase.

Our Investment Philosophy is based on two financial principles, Modern Portfolio Theory and passive index investing.
Modern Portfolio Theory, developed by Harry Markowitz, is an investment strategy that seeks to maximize returns at the same time that seeks to minimize risk by diversifying the portfolio among uncorrelated asset classes.
This theory states that the investor should take in consideration the potential risk and return as a whole and not of each individual security in the portfolio.
Passive index investing is a strategy establishes that trying to pick individual securities or to try determine when it’s the right time to buy them in order to outperform the market it’s futile. Extensive research validates the notion that passive investing may outperform actively managed portfolios.
Our portfolios are personalized and designed to adjust according to your personal risk tolerance while staying globally diversified. We only use UCIT ETF’s. They provide great diversification, offer ample liquidity, and they are cost-effective. Additionally, they provide important tax benefits for those investors who do not reside in the U.S.

You can fund your account with a wire transfer or with a check in dollars. Once your account has been opened, we will provide you with funding instructions.

Yes. Once you opened your account you can change your portfolio from your dashboard.

When you open your account, we ask you few questions so we can determine your risk tolerance, investment objectives and time horizon. With this information we are able to create the optimal portfolio for you. Once you opened your account you can shift among the different portfolios we offer at any time.

Interactive Brokers doesn’t charge any fees for deposits made in the accounts. For withdrawals, the first one in the month is free and then there is fee of $10 per each withdrawal.

The annual management fee is based on assets under management as follows:

For the first $100,000 = 1.85% per year
Then, from $100,001 to $200,000 = 1.75% per year
Then, from $200,001 to $300,000 = 1.50% per year
Then, from $300,001 to $1 million = 1.25% per year
And then, from $1million plus = 1% per year

The calculation of the fees varies depending on the type of account that the Client maintains at Interactive Brokers.
A. For clients with cash accounts, the advisory fee is automatically calculated by Interactive Brokers. The calculation is made daily based on the ending market value (“EMV”) of the assets managed by the Advisor the previous month. To make the daily calculation Interactive Brokers applies the annual tiered rate to the EMV and then divides it by 252 business days for the year. The fee charged is the sum of the daily fee calculations at the end of the month.
B. For clients with margin accounts, the advisory fee is calculated manually by BCP Global. The advisory fee calculation is based on the average of the market value (“AMV”) of the assets in the account on the first and last day of the previous month. To determine the fee rate that will be applied to the AMV, the annual tiered rate is divided by 252 business days and then multiplied by the number of business days in the month. The resulting fee rate is then applied to the AMV to determine the fee charged for the month.

A UCIT ETF is a security that usually tracks a basket of stocks, bonds or assets like an index fund, but trades like a stock on a stock exchange. They closely track their benchmarks, such as Dow Jones Industrial Average or the S&P500. They provide great diversification, offer ample liquidity, and they are tax efficient for investors who do not reside in the U.S.

Yes, you can close your account anytime and you will not be subject to any penalties.

Yes. Only one withdrawal is permitted per month, for no more than ½ of the account value. For deposits, you are permitted to make 2 deposits per month.