Automated Investment
Management
A diversified portfolio designed just for you
- Start investing from $5,000 and access global markets
- Add or withdraw funds anytime
- Pinvest invests and manages your portfolio for you
- Open your 100% digital portfolio in just minutes
Invest in the entire world starting from $5,000
- Take a quick quiz.
- We assign you a diversified portfolio based on your profile.
- We manage and rebalance it for you. You just contribute, track your investment, and withdraw whenever you want.
Portfolio Models
Conservative
Focused on stability
- Higher allocation to bonds (government and corporate debt) and a small portion in equities to reduce volatility.
- Ideal if you have a minimum investment horizon of 4 years and prioritize capital preservation.
Annual Return
Enter your initial investment:
$ 10,000.00*Minimum Amount $5,000 USD
If you keep your investment for 15 years:
Moderate
Smart balance
- Combines bonds and equities to balance safety and returns.
- Ideal if you have a 5-year or longer horizon and seek growth with controlled risk.
Annual Return
Enter your initial investment:
$ 10,000.00*Minimum Amount $5,000 USD
If you keep your investment for 15 years:
Balanced
Growth with control
- Higher exposure to equities to drive growth without unnecessary volatility.
- Maintains bond exposure to cushion market downturns
Ideal if you have a 5-year or longer horizon and want real growth without going all-in on stocks.
Annual Return
Enter your initial investment:
$ 10,000.00*Minimum Amount $5,000 USD
If you keep your investment for 15 years:
Growth
Built for the long term
- High exposure to global equities.
- Accepts volatility in exchange for higher long-term growth.
- Ideal if you have a 5-year or longer horizon and aim to significantly grow your wealth.
Annual Return
Enter your initial investment:
$ 10,000.00*Minimum Amount $5,000 USD
If you keep your investment for 15 years:
Aggressive
Maximum potential, maximum patience
- Nearly all invested in global equities.
- Designed for investors who can tolerate significant market swings along the way.
- Ideal if you have a horizon of more than 5 years and seek the highest possible growth.
Annual Return
Enter your initial investment:
$ 10,000.00*Minimum Amount $5,000 USD
If you keep your investment for 15 years:
The projection shown above was generated using a Monte Carlo simulation, which models thousands of possible scenarios, from the most optimistic to the most conservative, to estimate the potential range of portfolio outcomes. The assumptions used are based on historical data from the extended portfolios’ benchmark indices.
The projection shown above was generated using a Monte Carlo simulation, which models thousands of possible scenarios, from the most optimistic to the most conservative, to estimate the potential range of portfolio outcomes. The assumptions used are based on historical data from the extended portfolios’ benchmark indices.
The projection shown above was generated using a Monte Carlo simulation, which models thousands of possible scenarios, from the most optimistic to the most conservative, to estimate the potential range of portfolio outcomes. The assumptions used are based on historical data from the extended portfolios’ benchmark indices. The result is not a precise number, but rather a range of possible outcomes, because the future is uncertain and actual results will likely fall somewhere in between.
This projection is for illustrative purposes only, does not guarantee future returns, and investments may lose value, including the invested capital. Historical returns and projections are calculated based on the portfolio’s asset allocation as of the end of March 2026, using market data available at that time. Portfolio composition is subject to change without prior notice, and subsequent adjustments to asset allocation or market conditions are not reflected.
This service is for you if:
- You prefer to delegate portfolio management to professionals.
- You understand that markets go up and down, but trust long-term investing.
- You are looking for global diversification at low cost.
- You want a simple, proven investment strategy.
- You want your money to work harder than a traditional fixed-term deposit.
What Products Does Pinvest Use?
We invest using UCITS ETFs, European-regulated funds that bundle hundreds or thousands of stocks and bonds into a single vehicle.
Why we choose them:
- Strict European regulation with strong investor protection.
- Accumulating UCITS that reinvest dividends, avoid withholding taxes, and support long-term growth through compounding.
- No more than 10% invested in a single issuer to avoid risk concentration, with an exception for funds designed to replicate stock market indices.
- Ensures liquidity for purchases and withdrawals, with assets held by an independent third-party custodian.
If you are a U.S. resident, you cannot invest in UCITS ETFs, as they are not registered with the SEC (Securities and Exchange Commission).
Pinvest LLC does not provide tax advice. Investors should consult their own tax advisors before making investment decisions.
How to Invest?
01
Tell us your goals
Answer 5 quick questions to identify your investment profile. Pinvest suggests the ideal portfolio for you.
02
Register your information and upload your documents
Everything is done from your device. We’ll notify you by email when your portfolio is ready for your first contribution.
03
Invest through the app
Decide how much and when to invest. You can add or withdraw funds at any time, with no penalties.
04
We invest and manage for you
Pinvest buys, sells, and rebalances your portfolio automatically. You don’t have to do anything else.
Clear costs, no fine print
Pinvest management fee: 0.80% annually (charged quarterly)
Includes: portfolio management, monitoring, custody, and rebalancing
Frequently Asked Questions
Yes. These portfolios are designed for individuals 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 model portfolio tailored to their needs.
A fixed-term deposit is an investment in which a person deposits their money in a bank for a specific period and receives a fixed interest rate in return. From the outset, the investor knows how much they will earn, and the principal does not fluctuate, making it an option focused on security and short-term objectives. However, its return depends directly on prevailing interest rates, which may rise or fall over time.
A portfolio, on the other hand, is an investment strategy that distributes capital across various stocks and bonds globally, following broad market indices. Its value may fluctuate, but it is designed for long-term wealth growth, with high diversification and without relying on a fixed rate.
The difference between the two lies in their approach: fixed-term deposits prioritize predictability and immediate stability, while portfolios aim for greater growth over time, accepting valuation fluctuations as a natural part of the investment process.
The process of opening a model portfolio takes between 15 and 20 minutes. After entering all the required information, the client will receive a confirmation email within 48 to 72 hours, indicating whether the portfolio has been successfully opened or if additional documentation is required to complete the process.
Pinvest offers globally diversified portfolios starting from USD 5,000, using low-cost UCITS ETFs, which allows access to an efficient and well-structured investment from the outset.
The portfolios are mainly composed of accumulating-class UCITS ETFs, which do not distribute dividends but reinvest them within the fund itself. As a result, no periodic income is generated on which withholding tax at source would apply.
If the investor decides to sell positions and realizes a gain, such capital gain may be subject to taxation in their country of tax residence. Since tax treatment depends on the jurisdiction and the individual circumstances of each client, we recommend consulting a tax advisor for specific guidance.
Yes, it is possible. As part of the onboarding process, the custodian may require additional information or documentation beyond what has already been provided, in accordance with their due diligence procedures. If needed, Pinvest will contact you to request such information, and we kindly ask for your prompt response to avoid delays in the process.
The Pinvest app allows the client to check and track their investment in a simple and secure way. From the app, the client can:
- View portfolio composition: check which assets make up the investment and the percentage each one represents.
- Review updated returns: track accumulated performance with information available until the previous day’s close.
- Confirm the portfolio model: view the model assigned and selected based on the investment profile the client has chosen.
Yes. Clients can withdraw their money, either partially or totally, at any time and without penalties. In the case of a partial withdrawal, the requirement is to maintain a minimum investment balance of USD $5,000 in the account.
Transfers have an operational cost: the first withdrawal of each month is free of charge, and additional withdrawals within the same month are subject to a fee of up to $10 per transaction.
This approach offers flexibility to the client, maintaining clarity and transparency in the associated costs.
In the event of the account holder’s death, heirs or legal representatives must contact Pinvest as soon as possible. From that point, they will be provided with the necessary steps and documentation to manage the process in accordance with applicable regulations.
The suggested time frame and estimates are developed using historical metrics based on reference indexes to generate illustrative scenarios. To learn about the sources, assumptions, scope, and limitations, please refer to the “Methodological Guide: Suggested Term and Investment Projections”.