Since we announced that we’re now completely FREE, we’ve gotten plenty of reactions, and more than a few questions. We’re here to answer some of the most common questions from our community.
My fees are minimal and my returns are fine. Why does free matter?
Fees compound as much as interest does! "Fine" isn't going to cut it: if you're paying fees, your returns better be through the roof to make up for the money lost. And let's be honest: they usually aren't.
How are you able to offer this for free? Is this a limited time offer?
No, free investing is not just for the holidays! We won't start charging until your account hits $100,000. At that level, you'll then be able to access trading strategies that have traditionally been reserved for hedge funds and the Wall Street elite, without the Wall Street prices.
What's the difference between the free and the premium offering?
Like in the free offering, the premium model also offers the choice between different risk levels. The free offering is focused on the global markets so your portfolio is more diversified. The premium offering is focused on the US markets, choosing the top performers in the S&P 500 that have shown both strong and smooth growth over the past few months.
Why is the premium version limited to the US markets while the free version is more globally diversified?
For those just starting their saving and investing journey, global diversification is a great way to manage your money so you’re not putting your eggs in one basket. If you have a more solid financial base and are no longer one disaster from losing your savings, you can afford to take more risk for a higher potential return.
If I invest more than $100,000, am I required to use the premium model or can I also choose to remain globally diversified?
You’ll have the choice between putting some of your money in a globally diversified portfolio and some of your money in the premium portfolio. You will still be charged the same 0.75% assets under management.
How exactly does the premium model work? How do you choose the top stocks?
We look at the performance of the stocks in the S&P 500 over the past few months. With a bit of clever math, we can calculate which stocks have grown the most, at the smoothest rate. It’s not just about the overall growth, but also about how smooth the growth is: the stocks that show strong growth with fewer ups and downs are the ones we favor. By only including stocks in our portfolios if they meet a minimum performance level, our model provides protections while focusing on the best performers.
What’s the difference between the premium model and other options such as hedge funds?
We use a similar style of investing as hedge funds, going for similar ambitious returns for a far cheaper price. We’re also more accessible: while most hedge funds operate under a complex fee structure and don’t always allow easy access to your money, Hush charges a simple fee of 0.75% assets under management and will always allow you to access your money at any time.
Can I sign up directly for the premium model from Hush?
The premium version is by invite only. Stay up to date to join the waitlist!
Where will the premium version be available? Is it only in the US?
The premium version will be available beyond the US! As long as you have an IBAN or a SWIFT code, you will be able to join once invited.
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Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Hush app pricing before investing. Investment advisory services offered by NINE30 Advisors LLC (NINE30), an SEC-registered investment advisor. Securities brokerage services are provided by Alpaca Securities LLC ("Alpaca Securities"), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. Technology and services are offered by AlpacaDB, Inc.
No Guarantee of Wealth Accumulation: The tagline 'Get rich slow' is intended to describe a disciplined, long-term investment strategy and does not guarantee wealth accumulation. Investors should be aware that all investments carry risks, including the potential for loss of principal. Past performance is not indicative of future results. Risk Disclosures for Investment Strategy: Investing in any strategy involves inherent risks, including the risk of loss. The potential for gains or losses depends on market conditions and other factors beyond our control. Clients should carefully consider their financial situation, investment objectives, and risk tolerance before pursuing any investment strategy. Balanced Presentation of Performance: All strategies and past performance data presented in this material are based on historical analysis and are not predictive of future performance. Investments may not perform as expected, and actual outcomes may vary. We do not guarantee future results, and clients should fully understand the risks involved.
A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Hush app. All percentage return numbers or other performance related numbers shown are hypothetical.
Simulated or backtested data represents hypothetical results and is presented for illustrative purposes only. These results do not reflect actual trading and may not be indicative of future performance. Past performance, whether simulated or actual, is not a reliable indicator of future outcomes. Investors should not assume that similar returns will be achieved. All investments carry the risk of loss, and investors may lose some or all their principal. Please review the advisory contract and Form ADV Part 2A Narrative for further details regarding fees, risks, and other important information.
Subscription Fees depend on the end of month value of your portfolio with us and range from free to $5 per month. NINE30 does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. NINE30 does not receive compensation for referring clients or marketing third party services, and thereby avoids such potential conflicts of interest.
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. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.
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