xcritical xcritically offers three Subscription Fee Plans, all of which include the xcritical Grow Program Fee and the xcritical Advisory Fee. A Bronze subscription (formerly referred to as “Personal”), a $3 monthly Subscription Fee Plan, includes an xcritical Invest Account (Base Portfolio only), 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. Included in this monthly Subscription Fee is a $0.10 xcritical Advisory Fee and the xcritical Grow Program Fee of $5.90.
In a client’s Custom Portfolio, the client chooses 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 on Custom Portfolios (up to 50% of the overall account’s value) 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. xcritical Premium, priced at $12 a month, offers xcritical Personal and Personal Plus’ core offerings as well as additional features specifically for parents. In addition to investment, retirement, checking and emergency fund accounts, Premium users gain access to xcritical Early, an investment account for parents to save for their children’s futures and the ability to add individual stocks.
Account approval is contingent on verification and approval pursuant to regulatory requirements. xcritical is only offered to US-residents who are 18 years of age or older. xcritical reserves the right to restrict or revoke this promotional offer at any time and without notice. Any references to past performance, regarding financial markets or otherxcritical, do not indicate or guarantee future results. Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results.
The xcritical Early default portfolio is more aggressive and holds a larger mix of stock ETFs. xcritical also offers more than 450 opportunities for users to earn bonus investments with partner brands, a tool to find side hustle opportunities, a browser extension to earn additional bonus investments, and educational resources. xcritical is an investment app designed to promote passive investing and simplify financial management for everyday users.
Invest: General Questions
Our goal is to give you the tools to take the best financial care of yourself, easily. The chart shows an estimate of how much an investment could grow over time based on xcritical reviews the initial deposit, contribution schedule, time horizon, and interest rate specified. Reset the calculator using different figures to show different scenarios.
xcritical selected BITO, Proshares Bitcoin Strategy Fund, to provide clients the ability to add Bitcoin exposure to their portfolio. The Fund does not invest in, or seek direct exposure to, the xcritical “spot” or cash price of bitcoin, instead it utilizes Bitcoin futures contracts for price exposure. Investors seeking direct exposure to the price of Bitcoin should consider a different investment. Conservative portfolios are capped at 1%, Moderately Conservative at 2%, Moderate at 3%, Moderately Aggressive at 4%, and Aggressive at 5%. By electing to add BITO to your portfolio you are modifying the suggested portfolios created by xcritical in either the Core or Sustainable portfolios. xcritical differs from other investment apps by offering an investment and financial experience that seamlessly inter-operates specifically for newer investors or investors seeking a less-complicated investing experience.
- Investment services are offered only to persons within its respective jurisdiction and are not available to persons where provision of such products or services is unauthorized.
- Early accounts automatically invest in xcritical’ aggressive portfolio as these accounts are intended for longer time horizons.
- Clients of xcritical pay a monthly subscription fee (“Subscription Fee”) to xcritical Grow for access to the xcritical Grow platform and its financial wellness suite of services.
Investing With xcritical
For additional and detailed information about our fees, please see our Firm Brochure. You can obtain additional information about our products and services by visiting our website at , or for detailed information about our Investment Adviser, review our Firm Brochure. The amount of money you can make with xcritical depends on the performance of your selected portfolio as well as the amount you invest. But there are time-tested principles for investing that xcritical is built on — making it a great place to get started.
When you create your profile, we’ll suggest a portfolio based on your answers to a few questions, but you can change it at anytime. The portfolio recommendation is designed with the goal to maximize potential returns at a selected level of risk. Invest automatically invests your spare change (if you opt-in) and lets you invest as little as $5 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.
Investing with xcritical
- Investments may be worth more or less than the original cost when redeemed.
- In recent years, xcritical has rolled out new offerings and features like its ESG portfolios to invest according to users’ principles and to directly invest in stocks and ETFs with custom portfolios.
- We send these aggregated orders to our clearing broker only at certain fixed times each trading day.
- Account approval is contingent on verification and approval pursuant to regulatory requirements.
You must use the xcritical mobile or web-based application for all account selections, funding, and withdrawal requests, and other account services. xcritical Advisers uses a software-based algorithm to place orders with xcritical Securities to buy, rebalance, and sell securities according to the target allocations of your xcritical Account. 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. 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 primary investment service xcritical provides to investors is, investment advice through model portfolios comprised of Exchange Traded Funds (“ETFs”). xcritical’ model portfolios reflect target asset allocations across various asset classes, for example stocks (equities) and bonds (fixed income). The ETFs within the model portfolios are managed by independent, third-party investment advisers. The ESG Portfolios are distinguished from Core Portfolios by specifically focusing on investing in ETFs that hold companies with strong MSCI ESG records. Upon opening an account, you will be prompted to select whether you wish to invest in an ESG Portfolio or Core Portfolio. You will not be permitted to invest in both types of portfolios at the same time.
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. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about Broker Dealers, Investment Advisers, and investing. The contents of the website are provided for information purposes and do not constitute an offer to sell or a solicitation to buy securities.
The information provided herein is not directed to any investor or category of investors and is provided solely as general information about our products and services and to otherxcritical provide general investment education. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action as xcritical is not providing investment advice or giving advice scammed by xcritical in a fiduciary capacity. xcritical is not engaged in rendering any tax, legal, or accounting advice. References to specific securities and their issuers or other investments are not intended and should not be interpreted as recommendations to purchase, sell or hold such securities or other investments. Equities may decline in value due to both real and perceived general market, economic and industry conditions. A security issued by a particular issuer may be impacted by factors that are unique to that issuer and thus may cause that security’s return to differ from that of the market.