Qapital’s pre-built portfolios are ideal for all investors – give us a timeline and amount and we’ll do the rest. We’ll even diversify your funds so you don’t have all your eggs in one basket.

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Highlights

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-3.13%

Asset Class Return30d

#40 Rank

In Robo Advisor30d

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Invest from

$10

Overview

Qapital was built on the idea that it should be easier to make smart money decisions. They started by helping members save toward their personal Goals in new and creative ways. Today, Qapital combines behavioral science and the power of automation to help individuals and couples reach their life goals.

 

Qapital is designed for however you live you life. Qapital Dream Team™is the first joint banking solution for couples, built by a couple. They’ll help you personalize your savings, spending and investing Goals. Qapital will divvy up your money automatically, every time you get paid. Fund your goals first, cover your costs, spend the rest guilt-free. Without changing bank.

Things to Know

  • You make money on

    Value + Dividends

  • Fees

    $6

  • Min Investment

    $10

  • Payout frequency

    Quarterly

  • Term of investment

    Zero

  • Target Return

    5% - 8%

  • Liquidity

    Easy

  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Set custom Rules and invest on auto-pilot

  • Get a portfolio tailored to your investing personality

  • Your account is monitored, dividends reinvested, and portfolio rebalanced automatically

How you make money

Stock price appreciation + dividends. With an average annual return of 5%, and assuming you invest $20 a week for ten years, you’d earn $14,369 compared to $10,400 with a conventional savings account.

How Qapital makes money

Qapital charges a monthly fee based on which plan you select. Monthly plans range from $3, $6, $12.

Is it safe?

Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

  • Established

    2013

  • Country Available

    US Only

  • Assets Managed

    n/a

How You’re Taxed

Capital Gains

Capital Gains

As with any stock realized stock gains, investors are subject to capital gains tax. If gains are realized within one year, you are taxed at your income tax rate. If gains are realized after one year, you are subject to a long-term capital gains tax of 0% to 20%. A common service that some robo-advisors offer through their systems is automatic tax-loss harvesting. Tax-loss harvesting is a deliberate strategy whereby any loss from the sale of a security in a taxable account is used to offset a capital gain or taxable income, thereby reducing the tax paid.

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