Frequently Asked Questions
Frequently Asked Questions
Yes. Clients can access their reports through Masttro, an advanced digital wealth management platform that securely and efficiently centralizes financial information. Masttro (the platform) allows the consolidation of all types of assets —liquid investments, alternative assets, real estate, collections, and more— and generates personalized reports with a clear view of total wealth. To log in, the client uses a username and password provided by their Pinvest advisor, allowing them to consult their reports and view the status of their portfolio at any time, with high security and ease of use.
The client only bears the advisory fee, which corresponds to the professional service of management and financial guidance provided by Pinvest. There are no additional charges for access to the Masttro digital platform or for receiving financial reports, ensuring transparency and clarity in the costs associated with the service.
Pinvest’s periodic reports include detailed and structured information that allows the client to thoroughly understand the situation and performance of their portfolio. The main components include: • Account consolidation by custodian entity and ownership. • Portfolio risk and performance analysis. • Performance calculation and attribution. • Cash flow projections and analysis. • Geographic and sector breakdown by account and custodian. • Detailed analysis by asset class. • Evaluation of specific securities and cost structure. These reports not only allow for assessing the client’s current financial situation but also help identify optimization opportunities and support multigenerational wealth planning.
Top-tier custodians are highly recognized and reliable financial institutions that provide investment asset custody services. These custodians have a strong reputation in the industry and comply with strict standards of security, transparency, and regulation. Pinvest works with top-tier custodians to ensure that their clients’ assets are securely protected, with access to robust investment platforms and efficient asset management. Additionally, these custodians provide clear traceability and a high level of protection for investors.
Pinvest’s personalized advisory service is available to high-net-worth individual clients, family offices, and institutions seeking investment solutions aligned with their financial goals and risk tolerance. This service focuses on providing tailored financial strategies, comprehensive wealth analysis, and proactive portfolio management, combining the expertise of the Pinvest team with a transparent and fiduciary approach.
The profiling test includes questions about investment goals, time horizon, risk tolerance, and return expectations. Its design is quick and simple, allowing it to be completed in less than a minute. The results help determine the most suitable portfolio model, ensuring that the investment aligns with the level of risk the client is willing to take.
Yes. The client can partially or fully liquidate their investment at any time, at market value, without fees or penalties.
Pinvest offers different types of portfolios because each client has different investment amounts and needs. This structure allows us to: • Keep costs low for smaller investments. • Increase diversification only when it provides real value. • Scale the complexity and scope of the portfolio as the client’s assets grow. • Ensure clarity and discipline in portfolio management at every stage of the investment.
Pinvest offers five investment profiles, designed to suit different investor goals and risk tolerance: • Aggressive: 0% fixed income and 100% equities • Growth: 20% fixed income and 80% equities • Balanced: 40% fixed income and 60% equities • Moderate: 60% fixed income and 40% equities • Conservative: 80% fixed income and 20% equities Each profile aims to balance potential returns and risk level according to the client’s needs, making it easier to build a portfolio aligned with their financial goals.
Pinvest clients can get in touch directly with the support team to resolve any questions related to their portfolio or the use of the application. Contact can be made: • By toll-free phone: 1-833-746-8378, available Monday to Friday from 9:00 AM to 5:00 PM (Miami time). • By email: sending a message to info@pinvestcapital.com. The Pinvest team provides specialized assistance to ensure that clients can manage their investments safely and efficiently, receiving clear guidance and timely support for all their inquiries.
All investment portfolios involve certain inherent risks, including: • Market volatility. • Economic or interest rate risk. • Global or geopolitical risks. • Inflation. • Behavioral risks, such as making investment decisions driven by emotions. Pinvest mitigates these risks through global diversification, a disciplined approach, and continuous monitoring of each portfolio.
Pinvest applies a management fee of 0.80% per year for portfolios made up of UCITS ETFs and 0.40% per year for portfolios with U.S. ETFs. The firm guarantees full transparency in costs, with no additional charges or hidden fees.
An investment portfolio is a combination of assets, mainly stocks and bonds, that are managed together with the goal of helping the investor achieve their financial objectives. Diversifying across different assets and regions reduces the risk of relying on a single company or country and promotes greater stability in wealth growth over time.
Automatic rebalancing is the process through which a portfolio is adjusted when some assets have risen or fallen too much, changing the original investment allocation. This involves selling part of the assets that have increased excessively and buying more of those that have lagged behind, thus maintaining the portfolio’s balance. This process allows you to: • Maintain the appropriate level of risk according to the client’s profile. • Avoid emotional decisions in portfolio management. • Systematically apply the strategy of “buy low and sell high”.
Asset allocation is the distribution of a portfolio between equities (stocks) and fixed income (bonds). This mix determines the level of risk, stability, and growth potential.
No. Pinvest carries out portfolio rebalancing periodically without generating additional costs for the client, as it absorbs the trading expenses associated with these operations.
The process of opening a portfolio begins once the onboarding is completed. After entering all the requested information, the client will receive an email confirmation within up to 24 hours, indicating whether the portfolio has been successfully opened or if additional documentation is required to complete the process.
Yes. Clients will be able to access monthly reports in PDF format from the app. These reports provide a detailed summary of investments and portfolio performance. Additionally, they can be downloaded directly from the platform for review and record-keeping.
Not exactly. • For additional deposits, clients must transfer funds from their bank to the account provided in the app and then upload the proof of transfer within the app. • For withdrawals, clients submit the request through the app, and Pinvest processes the payment securely to the client’s bank account. This ensures that both processes are managed securely and transparently, with deposits requiring external steps, while withdrawals are handled directly through the app.
The Pinvest app allows clients to monitor their portfolio in a simple and secure way. Its main features include: • Portfolio composition: viewing the assets that make up the investment and their proportion within the portfolio. • Updated profitability: tracking performance up to the previous day’s date, allowing evaluation of the investment’s progress. • Selected portfolio model: shows the portfolio assigned according to the investment profile the client chose to adopt.
To open a portfolio at Pinvest, the client must provide basic information and verification documents. These include: • Valid passport • Bank account certificate or a copy of a utility bill (to verify address) • Basic personal information (contact details, general information, and data required for regulatory compliance) This information allows the identity verification process to be completed and ensures compliance with security and fraud prevention regulations.
Yes. The minimum withdrawal amount is USD 500. There are no maximum limits and no restrictions based on the portfolio type.
Yes. Clients can make additional contributions to their portfolio at any time through the Pinvest app. Each contribution will be invested according to the same strategy and allocation defined for their profile, maintaining the portfolio’s consistency.
Pinvest cannot guarantee future returns, as results depend on market conditions and asset performance. However, each portfolio has an expected average annual return, based on the historical performance of the funds, which serves as a reference to guide the client. It is important to note that past returns do not guarantee future results, and the strategy aims to maximize return potential according to each investor’s profile.
Yes. Clients can access their portfolio at any time through the Pinvest app, where they can check their returns, make additional contributions or withdrawals, and monitor the progress of their investments in a safe and transparent way.
An aggressive portfolio is one that focuses primarily on equities, investing almost exclusively in stocks. This type of portfolio aims to maximize potential returns, taking on a higher level of risk and volatility.
A conservative portfolio is one that maintains a high proportion of fixed income, such as bonds issued by companies or governments, with the goal of reducing volatility and protecting the investor’s capital, offering steady growth over time.
Global diversification involves spreading investments across thousands of companies and bonds in different countries. This approach aims to reduce the risk of concentration in a single market and improve the stability and resilience of the portfolio against local or sector-specific economic fluctuations.
Equity refers to investments in company shares, which offer a higher potential for returns, although with greater volatility. This type of investment allows clients to participate in the performance and growth of the companies they invest in.
Fixed income refers to bonds issued by companies or governments that offer regular interest payments and greater stability. These instruments aim to preserve capital and generate predictable income for the investor.
Volatility is a normal phenomenon in financial markets. Pinvest manages diversified and disciplined portfolios for the long term, designed to mitigate risks and help clients maintain their investment strategy even during periods of market decline.
Yes. Clients can withdraw all or part of their money at any time without penalties. The first withdrawal of each month is free, while additional withdrawals within the same month will be subject to a maximum charge of USD 10 per transaction.
Pinvest offers three types of portfolios, designed to suit different investment amounts and client needs: Type 1 – Up to USD 15,000: A portfolio composed of two funds, offering simplicity, low cost, and solid diversification. Type 2 – Over USD 15,000 up to USD 75,000: A portfolio composed of three funds, providing greater precision in diversification and risk control. Type 3 – Over USD 75,000: A portfolio composed of six ETFs, being the most complete and sophisticated option for investors seeking broad and detailed diversification.
Pinvest offers globally diversified portfolios starting from USD 5,000 using low-cost index funds and ETFs, allowing access to an efficient and well-structured investment from the start.
Yes. Pinvest recognizes that investors’ profiles can change over time. When a client completes the investment profile test, they are informed of how many portfolio models they are eligible for. The client can choose any of these models based on the level of risk they wish to take, and can switch between them at any time without any issue. If the client wishes to select a portfolio model different from the ones indicated by the test, which involves taking a different level of risk, they must complete the investment profile test again to ensure that the strategy aligns with their risk tolerance and financial objectives.
Yes. Completing the investment profile questionnaire is a prerequisite for investing with Pinvest. This allows the firm to assign a portfolio that matches the client’s profile, ensuring that the investment is aligned with their financial goals and risk tolerance.
The investment profile is determined through a questionnaire designed to assess the client’s investment horizon, risk tolerance, and financial goals.
The process to start investing consists of: 1. Completing the profiling test, which determines the appropriate portfolio model according to the client’s risk tolerance. 2. Following the onboarding process by providing the necessary information to create the portfolio. 3. Waiting for the portfolio activation, which usually completes in approximately 24 hours and is confirmed via email. 4. Downloading the Pinvest app from the App Store or Google Play and making the first investment. 5. Monitoring and managing the portfolio with the option to request additional contributions or withdrawals, while Pinvest takes care of periodic rebalancing and keeps the strategy aligned with the client’s profile. This process allows the client to invest safely, in an organized manner, and in line with their financial goals.
Yes. These portfolios are designed for people who do not have the time or the necessary knowledge to manage their investments directly. Based on the client’s personal information and financial goals, Pinvest assigns an investment profile and a portfolio model suitable for their needs.
Pinvest applies an approach based on strategic asset management. Portfolios are periodically rebalanced to ensure they remain aligned with investment goals. The firm does not use active management or market-timing algorithms.
The assets that make up the portfolio are selected through market analysis, considering risk management and applying principles of strategic allocation. This approach is carried out with a long-term perspective, aiming to optimize the balance between growth and stability according to the investor’s profile.
This portfolio offers several key benefits for the investor: global diversification, professional management by Pinvest, reduced costs, simplicity in investing, and a strategy aligned with the client’s financial goals.
A custodian is a regulated financial entity responsible for safeguarding and protecting the client’s investments. It holds the assets in the investor’s name, manages them securely, and ensures they are properly segregated and protected. Pinvest manages the client’s portfolio, while Interactive Brokers (IBKR) acts as the custodian, responsible for safeguarding the assets and executing all transactions.
A compound interest is the process by which the earnings generated by an investment are reinvested to produce new earnings, accelerating the growth of capital over time.
UCITS ETFs are usually accumulating because they reinvest dividends and interest within the fund. This reinvestment enhances the effect of compound interest, creating a “snowball effect”.
A UCITS ETF is an investment fund regulated under European Union rules, designed with high standards of investor protection and tax advantages for international clients. Additionally, it is considered one of the safest instruments globally.
No. Pinvest follows a disciplined approach without short-term predictions.
No. Pinvest does not guarantee returns, as no participant in the financial market can ensure future results.
No. Pinvest is a Registered Investment Advisor (RIA) regulated in the United States. The custody and execution of transactions are carried out through Interactive Brokers (IBKR), a financial entity globally recognized for its strength and security.
Pinvest clients can get in touch directly with the support team to resolve any questions related to their portfolio or the use of the application. Contact can be made: • By toll-free phone: 1-833-746-8378, available Monday to Friday from 9:00 AM to 5:00 PM (Miami time). • By email: sending a message to info@pinvestcapital.com. The Pinvest team provides specialized assistance to ensure that clients can manage their investments safely and efficiently, receiving clear guidance and timely support for all their inquiries.
All investment portfolios involve certain inherent risks, including: • Market volatility. • Economic or interest rate risk. • Global or geopolitical risks. • Inflation. • Behavioral risks, such as making investment decisions driven by emotions. Pinvest mitigates these risks through global diversification, a disciplined approach, and continuous monitoring of each portfolio.
Pinvest applies a management fee of 0.80% per year for portfolios made up of UCITS ETFs and 0.40% per year for portfolios with U.S. ETFs. The firm guarantees full transparency in costs, with no additional charges or hidden fees.
An investment portfolio is a combination of assets, mainly stocks and bonds, that are managed together with the goal of helping the investor achieve their financial objectives. Diversifying across different assets and regions reduces the risk of relying on a single company or country and promotes greater stability in wealth growth over time.
Yes. Pinvest has a physical office located at 396 Alhambra Circle, Coral Gables, Florida, United States.
An RIA (Registered Investment Advisor) is an investment advisory firm registered and regulated by the Securities and Exchange Commission (SEC) in the United States. Its main function is to provide professional advice on investment portfolio management, always acting in the best interest of the client. RIAs are subject to strict rules on transparency, ethics, and fiduciary responsibility, ensuring that investment decisions are made with the goal of protecting and optimizing the investor’s wealth.
Pinvest offers specialized advisory and financial management services designed to meet the needs of individual and institutional clients: • Investment Advisory: Provides expert guidance on investments and strategic asset allocation, evaluating and selecting financial products, comparing custodians and providers to optimize portfolio structure. • Portfolio Management: Defines each client’s investment profile and actively manages model portfolios, making continuous adjustments to maintain alignment with goals and risk tolerance. • Financial Reporting: Prepares comprehensive reports that include account consolidation, risk, cost, and value analysis, cash flow projections, and performance calculation, providing a complete view of the portfolio. • Institutional Services: Supports institutions in treasury management, investment policy design, and participation in investment committees, providing technical advice and access to top-tier custodians.
Pinvest LLC belongs to Pichincha Holdings LLC, which is owned by Dr. Fidel Egas Grijalva, who is also the majority owner of Banco Pichincha Holdings Group and Intercredit Bank in Miami. Banco Pichincha Holdings Group is the majority shareholder of the largest private commercial bank in Ecuador, with a presence in Spain, Colombia, Peru, Panama, and an agency in Miami.
Pinvest offers a simple, efficient investment process focused on the client’s needs. The firm is responsible for building a portfolio aligned with the investor’s risk profile, using only low-cost ETFs and UCITS. Additionally, Pinvest performs continuous monitoring and automatic portfolio rebalancing, absorbs trading costs, and ensures that investments are securely held through Interactive Brokers, a globally recognized entity. Moreover, it provides full transparency and permanent access to the client’s account, allowing for clear and reliable tracking of the performance of their investments.
Pinvest is a Registered Investment Advisor (RIA) regulated by the SEC in the United States. It specializes in building globally diversified, simple, and low-cost portfolios using ETFs and UCITS ETFs. In addition, Pinvest provides Family Wealth Management services and specialized advisory for institutions, offering tailored solutions based on each client’s profile and objectives. Its approach is grounded in discipline, evidence, transparency, and long-term efficiency.
If a Pinvest client suspects that they have been a victim of identity theft or that their access information has been compromised, they should immediately contact Pinvest through the official channels available on their website or by email at info@pinvestcapital.com. The firm will block the account and reset the access credentials to protect the client’s information. The Pinvest team will provide specialized assistance to assess the situation, take corrective measures, and guide the client through the necessary steps to mitigate any risks associated with identity theft. These actions are part of Pinvest’s commitment to the security and protection of its clients’ interests.
At Pinvest, the privacy and security of clients’ financial and personal information are fundamental priorities. The firm implements administrative, technical, and physical security measures designed to ensure the confidentiality and integrity of data. Pinvest’s security systems and controls are regularly reviewed by independent third parties according to the highest industry standards, and external penetration tests are conducted periodically to ensure the ongoing protection of information. These practices not only protect client data but also reinforce Pinvest’s fiduciary duty, ensuring that all investment decisions are made with transparency, objectivity, and in the best interest of each client.
An OTP (One-Time Password) is a single-use code sent to the client to verify their identity when logging in or performing operations in the app. This mechanism adds an extra layer of security, ensuring that only the authorized user can access their portfolio.
Yes. Pinvest complies with United States regulations as a registered RIA with the SEC and, at the same time, with international standards for clients from other countries, including Ecuador, Peru, and Colombia, offering transparency and security in investment management.
If a customer forgets their password, they can recover it at any time from the Pinvest app by following the password reset process.
Pinvest protects portfolios through global diversification, strategic asset allocation, and periodic rebalancing. These practices help reduce volatility and mitigate the impacts of market fluctuations, allowing clients to maintain their investment strategy even during periods of uncertainty.
Interactive Brokers (IBKR) protects assets through segregation, compliance with strict regulations, and the use of advanced security systems, ensuring the integrity and protection of each client’s investments.
Yes. Interactive Brokers (IBKR), as the custodian of the investments, keeps the assets segregated and in the client’s name, ensuring their protection.