Articles in this section

💰 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! 🤓

Related articles

Company
About
Careers
press@albert.com
Support
Help
support@albert.com
Legal
Terms of Use
Privacy Policy
App
App Store Play Store
View important investing disclosures ➜

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. To be eligible for savings bonuses, you must be subscribed to Genius and maintain a monthly average and ending balance of $10 or more. Bonuses for the month prior are paid by the 3rd of the following month. Download to see if you qualify for Albert Instant. Repay the 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 Savings, Investing, access to Albert’s financial experts, free in-network ATM withdrawals, and more.

All investments involve risk and the past performance does not guarantee future returns. Consider the investment objectives, risks, fees, and expenses of a fund before investing. Online trading has risks associated with system response times market conditions and other factors. Services offered through our mobile application are offered only in jurisdictions where it is legal to do so and we reserve the right to limit the availability of services to any persons or jurisdictions in our sole discretion. See our Terms of Use for more information. Albert Investments, LLC is an SEC Registered Investment Advisor. Investment advisory services are only offered to clients where Albert and its representatives are properly licensed or exempt from licensure.

Securities products and services offered to self-directed investors through Albert Securities, LLC Member FINRA / SIPC. Albert Securities, LLC, Albert Investments, LLC and Albert Corporation are separate but affiliated companies. For more information about Albert Securities, LLC, see FINRA Broker Check. Securities products are not FDIC insured or bank guaranteed, and may lose value.

All corporate logos and trademarks are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security. Trademarks and logos are the property of their respective owners and do not represent endorsements of any kind. Examples, logos and/or pictures are for illustrative purposes only and are not representative of real customers or investment recommendations.

Copyright © , Albert Corporation