WeInvest offers a digital wealth platform to Financial Institutions in Asia and Middle East, for making investment related decisions simpler, smarter and cheaper for the retail investor.
2. Time-Consuming
Consulting a financial adviser
involves filling out forms and
reviewing endless documents. This
process could take days and you
have to be physically present for
most of it.
T h e P r o b l e m W i t h
Traditional Financial Advisory
Problem #1
3. High fees
• Investors are typically
charged from 2 – 4.5% per
annum. The fee is paid for
the quality of advice but
there are no guarantees for
return expectations.
• There may also be
additional hidden charges if
you are investing in hedge
funds, commodity funds or
private equity.
T h e P r o b l e m W i t h
Traditional Financial Advisory
Problem #2
“Most financial advice is a
ripoff, designed to make your
advisors and their companies
well off at your expense.”
- Millennial Moola,
4. Conflict of Interest
• The fee structure of the
traditional model, can offer
financial advisers a strong
incentive to push you to
invest more than you
should and take a
• Advisers can influence
customers to choose a
higher fee based investment
product than what they
would have liked to, just to
meet their fee based
targets.
T h e P r o b l e m W i t h
Traditional Financial Advisory
Problem #3
“So how much does this
conflicted financial advice really
cost you? According to the White
House’s Council of Economic
Advisers, it costs Americans
around $17 billion a year.”
- TIME
5. “If you’ve avoided wealth management services
in the past because they were expensive,
cumbersome and time consuming, welcome to
the world of the online robo adviser.”
- Huffington Post
Robo advisory, also known as digital advisory, presents a
solution to all the problems associated with traditional wealth
managers.
6. T h e S o l u t i o n
Robo Advisory
Lower Fees
While funds typically charge 2 – 4.5% per annum,
robo advisers charge 0.5 – 1%. For a $5,000
investment, that’s a difference of a whopping 20% in
returns i.e. $1,000 over 5 years.
0%
1%
2%
3%
4%
5%
Traditional Robo
$-
$200
$400
$600
$800
$1,000
$1,200
$1,400
1 2 3 4 5
Years
Traditional Robo
Cumulative Fee DifferencesAnnual Fees
7. T h e S o l u t i o n
Robo Advisory
Unbiased
Robo advisers use algorithms to deliver investment
advice, based on your goals and risk profile,
eliminating human bias.
Effortless
Set-up your brokerage account and breeze through
Know-Your-Customer (KYC) checks without having to
visit any branch or office. Track your investments
anytime, anywhere
Transparent
No hidden fees. Full disclosure on your investments
and its constituents so you know where your money is
invested.
8. P r e v i e w
How It Works
Goal setting page
Investors go through an online
questionnaire where they set
their investment goals and
have their risk profiles
evaluated.
9. P r e v i e w
How It Works
Recommendation page
Based on the responses, a risk
profile is generated and
customised investment
portfolio is shown. However,
the investor is free to explore
portfolios other than the one
recommended.
All this is done from the
comfort of the investor’s
home.
10. P r e v i e w
How It Works
Recommendation page
Users can explore portfolios
other than the one
recommended to them.
They can search based on
investment styles, risk level,
region and eligibility. Risk-
based portfolios and thematic
baskets are available.
11. P r e v i e w
How It Works
Recommendation page
Users can view individual
portfolios and examine their
strategy, characteristics and
historical performance, before
making a decision on which
one to invest in.
12. P r e v i e w
How It Works
Recommendation page
• There is complete, radical
transparency on what each
portfolio contains.
• Investors know where their
money is invested – full
disclosure on constituents,
no hidden fees and charges.
13. P r e v i e w
Investor’s Dashboard
Recommendation page
• Investors can track
performance across goals
and portfolios.
• Regular alerts and
performance reports insure
that every investor is well
informed.
• Periodic rebalancing
guarantees that
investment portfolios are
always aligned with
financial markets’
movements and investor’s
profile and objectives.