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💰 Investing

Albert Genius is composed of a team of real human experts. Text us any financial question!

Example conversation

  • Hi Genius! I want to start investing... but don't even know where to start.
  • Happy to help! Are you looking to invest with a certain goal or timeframe in mind?
  • I'd like to buy a house someday but probably not for the next 7-10 years.
  • In the meantime, I'd like to invest the money I'm saving for the down payment to help it grow. But I'm worried about losing it all in the market.
  • There's definitely some risk involved, but higher risk means higher potential reward. While there are no guarantees, here are a couple of things you can do to mitigate your risk:
  • ⓵ Invest for a long-term period.
    ⓶ Invest for a long-term period.
  • All of that is a fancy way of saying don't put all of your investments in one basket. So, given what you've said and based on the information you provided during signup, we'd recommend starting off with an automatic investing account, which we offer through Albert Investing.
  • Instead of selecting your own stocks or funds, you can let Genius create a custom portfolio based on your timeframe, goals, and risk tolerance. We'll automatically reinvest and adjust your funds as the market changes over time to ensure your investments match your unique goals and needs.
  • How does that sound?
  • Sounds great, but first, can you tell me how much it'll cost to set up?
  • Portfolio by Genius is a feature for our Genius subscribers, who can buy individual or themed stocks, get a custom portfolio based on their goals, and turn on auto-investing.
  • On top of that, our portfolios are composed of low-fee ETFs. The cost of these investments (known as the expense ratio) range from 0.03%–0.12%, which is relatively low compared to funds that are actively managed. Plus, you can start investing in the app with just $1.
  • Thanks for the info! Is there anything else I should know before I jump in?
  • 💡 Please also note that with investing, there could be taxes on the gains you make. If you sell an investment within a year of buying it, it will be taxed at your income tax rate. If you wait a year, you'll be taxed at the capital gains rate depending on your income, which is generally 15%.
  • Before investing a bunch of money and then selling your stocks, you should consider the tax implications and consult a tax professional regarding your specific situation.
  • Oh good to know. So, how do I invest through the Albert app?
  • You can open your Investing account in the app by tapping the Investing card on the home screen. And if you have any more questions, you know where to find us! 🤓

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Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Coastal Community Bank, Axos Bank, and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits to Albert Cash accounts on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date. To be eligible for a direct deposit bonus, you need to receive a qualifying direct deposit and meet the spend requirements. Cash back terms apply. See app for details. Savings bonus may vary. Download to see if you qualify for Albert Instant. Repay the Instant advance with your next paycheck. Fees may apply. When you join Albert, you’ll set up an Albert Cash account and a 30-day trial for Albert Genius as part of the sign-up process. If you cancel within 30 days of signing up, you will not be charged for your subscription. Your subscription will auto-renew until canceled. Even if you cancel, you can continue to access Albert Cash and Instant. If you cancel, you will lose certain benefits associated with your Genius subscription, such as Investing, access to Albert’s financial experts, free in-network ATM withdrawals, and more.

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