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How do I make my first investment?

Getting started is easy. You can select and manage your own funds yourself, request a customized portfolio by Genius, or do both. Invest in as many funds or portfolios as you like, selecting from our available options.

You're also free to invest whatever dollar amount you choose. You can start with just $1.

 

How it works:

Simply deposit a set dollar amount that you'd like to invest, and we'll invest that exact amount for you: simple.

This method allows investors to buy into the funds of their choosing, for as much as they want, regardless of the share price. $1 is always the minimum.

 

Portfolio by Genius

For beginner investors — and experienced ones, too — the portfolio by Genius is a hands-off answer to creating a diversified portfolio. Tap the large button under Portfolio by Genius and provide details about your goals, tolerance for risk and time horizon.

To enable Genius to select a cost-effective portfolio that makes sense for your needs, we'll ask for details every time you request a portfolio by Genius. This will customize each specific portfolio depending on your desired goals for that portfolio.
  1. Tap the Investments card on the home screen.
  2. Tap 🔍 in the top right corner. (Or, tap '+ Explore investments' at the bottom of the screen.)
  3. Tap the 'Genius portfolio >' card under 'Portfolio by Genius.'
  4. Answer the questions to personalize your portfolio

For more information about the portfolio by Genius, click here.

 

Self-managed

A Self-managed investment allows you to select your own holdings from a curated list of themes (like "Industries," "U.S. Companies" and "Global").

Once your cash deposit posts to your investment account, you are free to purchase the investments of your choosing.

  1. On the Investments home screen, tap your desired investment (e.g., 🇺🇸 S&P 500). Then, tap Buy.
  2. In the Amount to buy field, enter your desired investment amount in dollars and tap Buy.
  3. If auto-investing is on, use the sliders to control how much cash you want Albert to allocate into each investment on a regular basis.
  4. Your investment will be purchased within the next trading day.

 

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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. 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.

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