SMART INVESTOR MORE THAN ROBO-ADVISOR
Smart Investor combines traditional investing with modern technology. It offers portfolio selection that does not only consist of derived financial products but actual equities. Our models are not confusing and are focused on safely guiding you through the investment world. Try Smart Investor robo-advisor for 3 months free at no cost or obligation.*
Requires $0 to enroll
Low cost – $25 a year for accounts with $10,000 or more
Tactical allocation based on a proprietary algorithm
Quantitative research backed by PG Capital
Ongoing account supervision and portfolio management
it's smart, it's simple, it's secure
WHAT IS SMART INVESTOR
SMART SUSTAINABLE STRATEGY
PLATINUM ALPHA STRATEGY
ESG BALANCED STRATEGY
CRYPTO VIEW STRATEGY
Smart Investor is a modern robo-advisor with investment management solutions implemented through quantitative analysis and computer modeling. Portfolios offered by Smart Investor will be tailored to your needs and will be built upon PG Capital’s investment models, which ensure you reach your investment objective with minimum costs and maximum risk-adjusted returns.
Investment portfolios typically consist of two types of assets: stocks and bonds via ETFs. The asset share in the portfolio depends on your risk tolerance and investment objectives. Crypto View Strategy, in addition to stocks and bonds, allocates to certain cryptocurrencies as well.
We think that our strategies should be aligned with your unique investment perspective, therefore, we offer an opportunity to select one of four investment strategies:
Smart Sustainable - for people who understand that it is hard to beat the market’s average returns and instead choose to track the market performance overall.
Platinum Alpha - for people who believe that greater return comes with greater risk.
ESG Balanced - for people who share the values of sustainable investing and support environmental, social and governance factors when assessing an investment’s financial returns and its overall impact.
Crypto Balanced - for people who understand the importance of innovations and support revolutionary ideas.
This is the U.S.-focused large cap growth and value-oriented strategy.
Smart Sustainable strategy provides a portfolio of highly diversified stocks that have a similar performance to a broad market and is dedicated to mimicking the S&P 500 performance over long-term with lower volatility and risk involved. It aims to invest in securities of market-leading U.S.-based companies that are highly liquid and have a market valuation of more than $50 billion.
Based on risk tolerance and investment objective, Smart Sustainable strategy would typically allocate a portion of capital to fixed income products via ETFs to lower the portfolio’s volatility and ensure its stability.
Average annual ETF fees: 0.05 – 0.25%
The Smart Sustainable portfolio is monitored daily and rebalanced on a monthly basis by the Portfolio Manager, if necessary.
Similar to the Smart Sustainable strategy, this is also a U.S.-focused large-cap growth and value-oriented strategy.
It aims to invest in securities of market-leading U.S.-based companies that have a market valuation of more than $50 billion. The strategy is dedicated to outperforming the S&P 500 over a 5-year period.
The strategy adheres to a systematic qualitative and quantitative analysis of fundamentals of a variety of equities available in the market. By utilizing the strategy, we aim to identify undervalued companies with strong growth potential, outstanding management teams, and appealing financial results.
Based on risk tolerance and investment objective, the Platinum Alpha strategy would typically allocate a portion of capital to fixed income products via ETFs to lower the portfolio’s volatility and ensure its stability.
Average annual ETF fees: 0.05 – 0.25%.
The Platinum Alpha portfolio is monitored daily and rebalanced on a monthly basis by the Portfolio Manager, if necessary.
This strategy is for people who share the values of sustainable investing and support environmental, social, and governance factors when assessing an investment’s financial returns and its overall impact. This is a U.S.-focused large-cap growth and value-oriented strategy, with a major emphasis on ESG factors.
It aims to invest in securities of market-leading U.S.-based companies that have a market valuation of more than $50 billion and high ESG ratings.
Based on risk tolerance and investment objective, ESG Balanced strategy would typically allocate a portion of capital to fixed income products via ETFs to lower the portfolio’s volatility and ensure its stability.
Average annual ETF fees: 0.05 – 0.25%
The ESG Balanced portfolio is monitored daily and rebalanced on a monthly basis by the Portfolio Manager, if necessary.
For people who understand the importance of innovations and support revolutionary ideas. Crypto View is a U.S.-focused growth strategy, oriented to invest in cryptocurrencies, blockchain, and companies that participate in the crypto industry.
It aims to invest in securities of market-leading U.S.-based companies that have a market valuation of more than $10 billion with a major emphasis on cryptocurrencies and blockchain-related enterprises.
Based on risk tolerance and investment objective, Crypto View strategy would typically allocate a portion of capital to fixed income products via ETFs to lower the portfolio’s volatility and provide stability.
Average annual ETF fees: 0.05 – 0.25%
The Crypto View portfolio is monitored daily and rebalanced on a monthly basis by the Portfolio Manager, if necessary.
You know what you pay for the robo-advice right the way. The pricing is upfront and there are no hidden fees.
Our annual 0.25% advisory fee covers asset allocation and all trade commissions, plus monitoring, rebalancing, and ongoing management. The annual 0.25% fee is based on the average daily value of your assets and deducted from your account every month. The 0.25% fee applies only to accounts with a minimum average daily value of $10,000. For accounts with an average daily value of below $10,000, the annual advisory fee of 0.45% will be applied on a monthly basis.
LET'S SEE WHAT YOU GET
Check your portfolio: See your risk and return metrics, sector allocation, and more in one place.
Check the performance: See the performance metrics over different time frames. Monitor your deposits, withdrawals, and portfolio balance in one place.
Check your portfolio allocation: See what asset classes your portfolio is invested in, and in what sectors and industries. See a simple but detailed breakdown of your portfolio.
Concerned about ESG?: Check the quality of your portfolio and ESG break down with a simple ESG Ratings tool.
Check your portfolio's impact score: Do not just invest; understand the impact of your investments.
Visuals, including values, are for illustrative purposes only. Investing involves risk and investments may lose value.
THREE EASY STEPS TO START
Answer our questions
Tell us a little bit about yourself. To determine your investment objective, we will ask you several questions regarding your risk tolerance and timeframe.
Select your Strategy
Choose one of the four investment strategies that best resembles your investment perspective.
We will handle the rest
Once you're set up, we will do the hard work of preserving, checking, and rebalancing your portfolio to maintain it in line with the strategy of your choice.
SEE WHAT YOUR MONEY CAN DO WHILE USING SMART INVESTOR
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Total Account Value
This calculator is for illustrative purposes only and may not apply to your individual circumstances.
Frequently asked questions
What is Smart Advisor?
Smart Investor is a robo-advisor and digital investment management service provider that allows you to easily automate your investments. We make portfolio suggestions based on your investment timeframe and risk tolerance. Our portfolios are focused on delivering risk-adjusted returns, long-term consistent results, and maintaining low cost. Behind the scenes, our team and proprietary mathematical models keep your money working for you by reviewing your portfolio regularly and rebalancing it on a regular basis.
What types of investment accounts does Smart Investor offer?
Currently, we offer the opportunity to open Individual Investment Accounts, Joint Investment Accounts and Individual Retirement Accounts (IRAs).
What kind of portfolios does Smart Investor offer?
We provide over 35 managed portfolios of stocks, bonds (via ETFs), and occasionally cryptocurrency that are diversified across asset classes to help balance risk and rewards during market ups and downs. We'll offer a portfolio matched with the preferences that might help you attain your investment objective based on your investment timeframe, risk tolerance, and chosen investment strategy.
What investment strategies can I choose?
Our robo-advisor provides you with 4 distinct investment strategies, which, based on your investment objectives, will determine the proper mix of equities, ETFs, and, in some circumstances, crypto currencies. You will be invested in one of the following strategies: Smart Sustainable, Platinum Alpha, ESG Balanced, or Crypto View:
Smart Sustainable: Smart Sustainable strategy provides a portfolio of highly diversified stocks that have a similar performance to a broad market and is dedicated to mimicking the S&P 500 performance over long-term.
Platinum Alpha: It aims to invest in securities of market-leading U.S.-based companies that have a market valuation of more than $50 billion. The strategy is dedicated to outperforming the S&P 500 over a 5-year period.
ESG Balanced: This strategy is for people who share the values of sustainable investing and support environmental, social, and governance factors when assessing an investment’s financial returns and its overall impact.
Crypto View: For people who understand the importance of innovations and support revolutionary ideas. Crypto View is a U.S.-focused growth strategy, oriented to invest in crypto currencies, blockchain, and companies that participate in crypto industry.
Can I choose more than one investment strategy for my investment account?
You must choose a single investment strategy for each investment account you establish. After you open your account, you can change your investing strategy by contacting our customer support.
How much does Smart Investor cost?
Smart Investor charges a simple annual advisory fee that is withdrawn at the end of each month and is based on the average daily value of assets held in your account. For accounts with an average daily value of assets above $10,000, the annual advisory fee of 0.25% will be applied. For accounts with an average daily value of assets below $10,000, the annual advisory fee of 0.45% will be applied. This charge includes the costs of asset allocation, trading, daily monitoring, and rebalancing on a regular basis.
Are there any other expenses I should know about?
Other expenses that you may encounter include ETF fees and ancillary fees. ETF costs in your portfolio are included in the performance of each fund and will not appear as additional expenses in your Smart Investor account. Ancillary fees, sometimes known as "extra" costs, may apply to particular requests such as printed statements, check copies, or account ownership transfers. When applicable, you'll find them on your account Dashboard by selecting "Reports" and "Statements."
What is the minimum amount I need to open account with Smart Investor?
There is no minimum balance required to open an account with Smart Investor.
Who is eligible to open account with Smart Investor?
Smart Investor is bound by regulatory requirements that compel us to assess potential clients' appropriateness based on their financial circumstances and investment objectives. At the time of application, we may conclude that an investing account is not suited for a particular individual. Our broker/custodian, Interactive Brokers LLC, is subject to similar regulatory requirements and may reject client application on the same basis.
In order to open a Smart Investor account, you must also meet specific age, location, and residence requirements. Smart Investor is now available exclusively to persons who are at least 18 years old, live in the United States, are US citizens or residents for tax purposes, and have a residential (not business or P.O. box) US address.
How do I open a Smart Investor account?
Click here and follow these steps to open an account:
Tell us about yourself. You'll be asked about the sort of account you want to establish, as well as your spending habits, risk tolerance, and investment timeframe.
Select your portfolio. You'll choose an investing strategy for your account and approve its stock and bond allocation.
Finish setting up by providing personal information (contact information, SSN, etc.)
Once your account is approved, you will be able to access your personal dashboard fund your account once you are ready. We will take it from there.
How long does it take to get approved for Smart Investor account?
If the information provided is accurate and complete, your account will be approved within 1 business day.
Can I transfer assets from another investment account to my Smart Investor account?
Once your account is approved, you would have an option of transferring your assets from another investment account to your Smart Investor account. Although, we recommend liquidating your assets first and transferring cash to your Smart Investor Account. Note that selling securities and other assets may have tax implications, so we recommend consulting a tax professional if you have questions about the potential tax implications of any liquidation.
Can I roll over investment from another retirement account to a Smart Investor retirement account?
Yes. After you create an IRA account with us, you may begin the process of rolling over your previous IRA, 401(k), or other workplace retirement plan from the “Transfer Funds” page on your Dashboard.
You may transfer assets from an existing 401K or other retirement plan into a Direct Rollover Account only. During the transaction process, you will be prompted to complete the information about your existing retirement plan which you must print, sign and forward it to your existing retirement plan to initiate the Direct Rollover.
Where can I get information about my account’s historical performance?
You can find your portfolio performance once logged in to your personal account under multiple tabs: “Home”, “Portfolio”, “Portfolio Analyst”, and “Reports”. Each provides different metrics and detailed reports on the performance of your portfolio. You will be provided with the different performance metrics that include your account value, performance, time period return, time weighted or money weighted returns, and more.
Do you offer financial planning services with a financial advisor?
We provide personal financial advising services to clients who want advisor-led financial planning and guidance. Financial advisers in this offering work with clients to establish tailored financial plans and give one-on-one advising services. You may learn more about these services by clicking here (ссылка на главную страницу). If you want to be contacted by a financial advisor, please complete this form (ссылка на https://www.pgcapitalmg.com/speak-with-a-financial-advisor) and a PG Capital Personal Financial Advisor will contact you.
How do I close my account?
To begin, go to the “Account Settings” tab at the top right of your account Dashboard and click the “Close Account” option. You can also withdraw all of your cash and use the “Close Account” option. You may be able to reactivate your account after you have closed your account. Still, if you close your account, you can continue to access “Account Management” with your account username and password. For example, you may want to access statements, check fund status, or change your password after your account has been closed.
If you have a balance in your IRA, please be aware that there may be tax ramifications and IRS fines if you withdraw assets before the age of 59. Completing a rollover to a new IRA may assist in mitigating the consequences of closing your Smart Investor IRA account. Smart Investor provides no legal or tax advice. For further information, please contact a tax expert or visit the IRS website (ссылка на https://www.irs.gov/).
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TO GET STARTED?
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* The introductory waiver period for Smart Investor's net advisory fee begins when the first account's enrollment is complete and ends after the close of the third billing period (generally 90 days), which is specific to each client. If you enroll additional accounts at a later date, you can still take advantage of any remaining fee-waiver period. However, each additional account you enroll won't trigger a unique fee-waiver period but will instead be commingled with your first enrolled account. If you unenroll before your fee-waiver period ends, you won't owe an advisory fee. But if you choose to re-enroll in Smart Investor during or after your fee-waiver period, you won't be eligible for a second fee waiver. This fee-waiver offer may be modified or discontinued anytime at the sole discretion of PG Capital Management Group, LLC.
Still looking for answers?
Smart Investor - what is it & how does it work?
Smart Investor is a low-cost digital robo-advisor that employs quantitative analysis and mathematical models to help automate investment portfolio management based on information provided by you about you and your financial stance.
Our investment strategy for your long-term investment goals is based on unique investment models that invest in a variety of financial products based on your risk profile, the duration you expect to invest, and the investment strategy you choose.
You can use our Cash Reserve strategy, a high-yield and high-liquidity investment strategy, for your short-term or savings needs.
Learn more about our robo-advisor here.
Can I speak with real advisor?
Five days a week, members of our customer support staff are ready to answer any account-related questions.
If you need comprehensive financial guidance, you may contact a licensed financial adviser over the phone. We provide guidance packages beginning at $199 for a variety of different investment purposes.
Are my investments secure with Smart Investor?
Smart Investor, a PG Capital product, is integrated with Interactive Brokers. Interactive Brokers is a SIPC member, which insures its members' securities up to $500K (including $250K for cash claims). A booklet with more information is available upon request or at www.sipc.org. What you should keep in mind is that the SPIC does not safeguard your investment account from market fluctuations.
Who is in charge?
Our team of financial specialists is in charge of developing investment strategies. Rather than just managing investment portfolios, our professionals also continue to work on tax-related solutions for your portfolios, develop AI tools and other sophisticated techniques.