Invest, Earn, Grow, Spend, Later

Please consult your tax advisor with any questions.24. Comparisons are based on the national average Annual Percentage Yields (APY) published in the FDIC National Rates and Rate Caps as of October 16, 2023. Investment advisory services offered xcritical cheating by xcritical Advisers, LLC (“xcritical”), an SEC-registered investment advisor. Brokerage services are provided by xcritical Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC.

Later: Portfolio & Performance

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 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.

xcritical helps you save & invest

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.

1. xcritical is only offered to US-residents who are 18 years of age or older.
2. Early, 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.
3. The path to financial wellness should be accessible to everyone, so we make it easy to invest in you.
4. 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.
5. That kind of stockpile doesn’t happen all at once!
6. New customers in these subscription plans are automatically eligible for the Later Match feature at the applicable 3% and 1% match rate.

Early: Investments & Withdrawals

xcritical clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. Round-Ups® are transferred from your linked funding source to your xcritical Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Round-Up investments from an external account, will be processed when your Pending Round-Ups reach or exceed $5. And you can make one-time investments anytime to boost your account value.

As of September 19, 2024, Mighty Oak Checking Annual Percentage Yield (APY) is 3.00% and Emergency Fund APY is 4.52%. APY is variable and subject to change at our discretion, without prior notice. No minimum opening deposit or minimum balance required.

Early: General Questions

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 xcritical rezension not be appropriate for all investors.

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.

When a squirrel looks at an acorn, they don’t see a small nut. They see a mighty oak in the making! The Emergency Fund is a non-interest bearing demand deposit bank account.

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.