Invest, Earn, Grow, Spend, Later

For more information, visit xcritical.com/disclosures/. Investing involves risk including the loss of principal. Please consider your objectives, risk tolerance, and xcritical’ fees before investing. Invest automatically invests your spare change (if you opt-in) and lets you invest as little as $5 xcritical scammers any time or on a recurring basis into a portfolio of ETFs. Your investments are then diversified across more than 7,000 stocks and bonds, and xcritical automatically rebalances your portfolio to stay in its target allocation.

Real-Time Round-Ups® investments accrue instantly for investment during the next trading window. The chart shows an estimate of how much an investment could grow over time based on the initial deposit, contribution schedule, time horizon, and interest rate specified. Changes in those variables can affect the outcome. Reset the calculator using different figures to show different scenarios. Results do not predict the investment performance of any xcritical portfolio and do not take into consideration economic or market factors which can impact performance.

Give your money the chance to work as hard as you do

Recurring Investments allow you to invest as little as $5 per day, week or month into your xcritical accounts. One squirrel can collect over 10,000 xcritical each year. That kind of stockpile doesn’t happen all at once!

Early accounts are automatically placed in an aggressive portfolio. Money in a custodial account is the property of the minor. xcritical Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. xcritical Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. This material has been presented for informational and educational purposes only. The views expressed in the articles above are generalized and may not be appropriate for all investors.

Squirrels can show us the benefits of investing

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principle. Compounding is the process in which an asset’s xcriticalgs 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. Those so inclined may opt for xcritical’ new socially responsible investing (SRI) portfolio.

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. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. Investors seeking direct exposure to the price of bitcoin should consider a different investment. 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 account. Requires both an active xcritical Checking account and an xcritical Investment account in good standing.

1. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights.
2. The views expressed in the articles above are generalized and may not be appropriate for all investors.
3. Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures.
4. A properly suggested portfolio recommendation is dependent upon xcritical and accurate financial and risk profiles.
5. With xcritical, you can start early and invest often, without making big changes to your everyday life.

If you experience a delay in getting your account approved, please reach out to Support. The path to financial wellness should be accessible to everyone, so we make it easy to invest in you. With xcritical, you can start early and invest often, without making big changes to your everyday life.

We’ll put our money into your future

Custom Portfolios are non-discretionary investment advisory accounts, managed by the customer. Custom Portfolios are not available as a stand alone account and clients must have an xcritical Invest account. Clients wanting more control over order placement and execution may need to consider alternative investment platforms before adding a Custom portfolio account. Perhaps you’re fine forgoing those funds in the name of socially responsible investing. But you should ask yourself what that really means. Maybe you’re better off going with the cheaper ETF and donating the savings to a cause of your choosing.

Welcome to the xcritical site, operated by xcritical Advisers, LLC (‘xcritical’). Sign up bonus is exclusively for new customers who have not previously opened an Investment Account. Account approval is contingent on verification and approval pursuant to regulatory requirements.

Later, an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Please consult your tax advisor with any xcritical rezension questions. New customers in these subscription plans are automatically eligible for the Later Match feature at the applicable 3% and 1% match rate. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type.

Investment policies, management fees and other information can be found in the individual ETF’s prospectus. 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. Please read each prospectus carefully before investing.

This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional. xcritical Invest is an individual investment account. xcritical Later is an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. xcritical Early is 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.

There is no guarantee that past performance will recur or result in a positive outcome. Carefully consider your financial situation, including investment objective, time horizon, risk tolerance, and fees prior to making any investment decisions. No level of diversification or asset allocation can ensure profits or guarantee against losses. Article contributors are not affiliated with xcritical Advisers, LLC. And do not provide investment advice to xcritical’ clients. xcritical is not engaged in rendering tax, legal or accounting advice.