While robo-advisors have begun transforming traditional wealth management from a brick-and-mortar experience to a digital experience, we have taken the offering to another level. Beyond changing how you can invest, we have made sophisticated investing algorithms and frameworks available to the masses. We deploy a sophisticated and dynamic investment strategy that mitigates risk, and takes into consideration market volatility and economic cycle changes.
Goal-based investing is an investing strategy that recognises that each individual's situation is unique, and thus requires a personalized portfolio to reach his or her personal goal. Through goal-based investing, we build portfolios by considering variables such as your timeline, necessary returns, and personal financial situation. A personalized portfolio, then, is more likely to achieve your personal financial goals, versus a traditional savings account or standard fund.
We ask questions about your preferences to gain an understanding of your current financial situation. In the financial assessment that customers are required to complete before opening an account, we ask about risk preferences, goals, current financial situations, and investment experience, among other questions. Once the portfolio is created, we regularly re-optimize the portfolio over time to serve your specific needs.
Depending on your experience with investing in financial products and your personal risk profile, we may modify the risk levels of your portfolio. Note that you can always adjust the risk level if you choose to do so.
An ETF, or an Exchange Traded Fund, is an index-tracking investment vehicle listed on a major exchange. Indices are composed of asset classes, such as stocks or bonds, in a particular segment of the market, such as technology, energy, or real estate. ETFs are funds that are traded like stocks, but have the diversified portfolio structures of a mutual fund. ETFs provide passive exposure to any asset class by mirroring the returns of an index. For example, the SPDR SPY S&P500 is an ETF that tracks the performance of the S&P500.

ETFs offer diversification, higher liquidity than individual securities, and lower fees.
Rebalancing a portfolio involves adjusting the composition of a portfolio by buying and/or selling specific assets in order to re-align a portfolio to its target composition in the case that market changes influence the asset allocation of your portfolio. Our algorithms check the portfolios daily, and perform rebalancing which can happen weekly, monthly or quarterly, depending on the markets' volatility, performance, time, cost, among other factors.
Understanding your risk profile will guide our algorithms towards building a portfolio composition that best fits your preferences and reaches your goals.
Yes; an ETF typically charges low fees of around 0-0.25%. In comparison, mutual funds, which are already an expensive alternative to ETFs, have fees that range from 1.25-2.0%.
We invest in the most liquid and most cost-effective ETFs in the world, and those are listed in the U.S. markets and denominated in USD.
PIVOT uses ETFs because they are exchange listed products with deep liquidity, high trading volumes, and have very low expense fees.
PIVOT chooses the best-in-class ETFs on your behalf. We chose the largest, most liquid, most tradable, and most cost-effective ETFs with the lowest tracking error to the index and a sufficiently long track record. We choose ETFs with no leverage or complex payoffs and to avoid credit risk of issuer, we do not include Exchange Traded Notes (ETNs).
When investing as an individual, there are minimum trade sizes and high transaction costs imposed on the account, and this makes investing as an individual cost-prohibitive. With PIVOT, you will benefit from the constant monitoring, rebalancing, and re-optimization that we provide. Moreover, PIVOT is able to offer fractional shares to make your portfolio more precisely allocated that is nearly impossible if you were to do it on your own.
The basis of our investment strategy is to build portfolios with particular asset allocations that are optimal for the given economic cycle. This change in asset allocation is important because it allows us to manage risk in different economic environments. Note that our algorithms only automatically re-optimize your portfolio if you give us permission to do this. Otherwise, we will ask for your permission to re-optimize in the case that there is a major economic change that necessitates re-optimization.
Bank savings accounts earn very low interest. PIVOT builds your personalized portfolio, taking into consideration your specific needs and preferences and helps you invest to accumulate wealth over time.
Unlike traditional advisors who charge high fees and offer one-size-fits-all investment packages, PIVOT offers low-cost, intelligent, and personalized investment advice specific to your goals and financial situation. We use Artificial Intelligence and Machine Learning complex algorithms that consider your personal goals, economic cycles, and market performance. Additionally, PIVOT has a low investment sum and offers a very intuitive digital platform to keep track of your investment portfolio.
Typically, the restrictions in employee investments are related to insider dealing or conflicts of interest concerns. Therefore, it is not uncommon for companies to have confidentiality policies to restrict dealing securities in which one has possession of material non-public information concerning such securities, or to require employees to disclose or obtain approval for trades in certain securities. It is quite common that Exchange Traded Funds (ETFs) may be excluded from such trading restrictions, on the basis that the employee does not have control over the underlying basket of securities for each ETF. This is of course subject to specific company policies, which may differ. As such, specific company policies may differ. Some employers do have restrictions on ETFs for particular employees. Therefore, we still recommend that you verify with your employer prior to investing with PIVOT.