AAII Review (2022 Update): Everything You Wanted To Know!

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Updated: October 28

By: Scam Risk - Expert Reviewer

AAII Review

You’ve probably heard of The American Association of Individual Investors or AAII if you’re an investor.

So, what exactly is AAII?

Also, what can you expect from your AAII membership and its premium services like A+ Investor?

Is AAII really beneficial in assisting you in making better investing selections and obtaining higher returns on your investment?

Are there any better choices that might help you invest more effectively?

In this AAII review, I’ll tell you what I learned after checking out AAII membership so you can make an educated choice.

This AAII Review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • Offers free trial
  • Professional-grade investment tools
  • Track watchlists and custom portfolios
The Good

Cons: What I Didn't Like

  • No broker integration option
  • Site is quite hard to navigate
  • Limited to value and dividend investing ideas
The Bad


You probably discovered AAII for the same reason you might have come across any other financial newsletter, stock trading service, or investment program:

Because you want more money in less time.

And chances are, you want to quickly multiply the money you do have (as opposed to waiting months or even years to see a decent ROI).

This is a really exciting promise, and it’s probably why the financial publishing and training industry is worth billions of dollars.

The problem is, because the idea of doubling, tripling, or 10X-ing your money in a few minutes to a few days is so enticing, there are a ton of shady characters in this space.

But, putting that aside, let’s say every investing guru and “trading expert” on the internet had the best of intentions.

Even with proprietary algorithms, a room full of supercomputers, and a team of rocket scientists, most of these experts would be lucky to get it right 20% of the time.

Now sure, we’re talking about asymmetric bets here, so theoretically the winners should more than make up for the losers.

But in order to make that happen, you can NEVER miss a trade. With a 20% success rate (speaking optimistically), one missed winner could turn a profitable month into a loser.

That’s a lot of pressure and a lot of stress (not to mention a lot of losing) with not much certainty.

But what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Constantly monitoring your phone for buy/sell alerts
  • Obsessively watching charts and movement
  • The emotional roller coaster and angst of hoping one winner can cover the last 8 losses
  • Gambler’s odds (20% chance of success is worse than the odds of winning at Blackjack)

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day monitoring charts, trades, and alerts?

Still Getting Paid

If that sounds like something you’d be interested in, check out Digital Real Estate. 

However, if you’d still like to know more about AAII, keep reading.

What Is AAII?

What Is AAII

The American Association of Individual Investors, or AAII, is a non-profit organization that provides financial education. It has more than two million members.

This portal provides free commentary on individual stocks, stock market , ETFs, and mutual funds so you can manage your own assets.

The AAII’s most well-known research instrument is its weekly investor sentiment survey. This is where subscribers indicate whether they are optimistic, bearish, or neutral on the market.

There are also other premium options available. These provide comprehensive investing research, growth stocks, screening tools, and model portfolios.

To get access to the best information, you’ll need to pay for a membership, like with other stock research tools or nonprofit organization.

AAII chapters may be found across the United States, in addition to online services. These chapters allow you to interact in person with other subscribers.

How Does AAII Work?

AAII is an online stock analysis service that provides free and paid material. Individual stocks, ETFs, and mutual funds are all analyzed using the platform.

Among the research tools provided are:

  • Model investment portfolios
  • AAII Journal monthly magazine
  • Financial planning
  • Market commentary articles
  • A stock screener
  • A portfolio tracker
  • An education center

Because free users only have limited access to these services, a basic subscription may be necessary if you want more powerful capabilities.

You may, however, choose to upgrade to one of AAII’s premium services. These make it simpler to choose stocks that are a good match for your investing plan.

How Much Does AAII Cost?

Stock Grades Screener

AAII offers numerous price options. To get the most features at a fair price, you’ll need to sign up for a Basic or A+ Investor membership.

Many articles and stock screener are available for free. Unfortunately, you have only limited access to the commentary and screens.

For example, you may simply read the opening few paragraphs of an article and a few analyst rankings.

When using the stock screener, you may only view the first five stocks that satisfy your criteria. Unfortunately, the remainder of the list is blurred.

While you will not have full access, you will not be required to submit your email address or establish an account to try AAII. This may help to keep your privacy.

Basic Membership

Portfolio Analysis Tools

AAII membership is $49 per year, less than the cost of many other investing sites.

Your membership includes a 30-day trial period, and your first month may cost as low as $1.

You will get full access to the research papers and stock screeners with a basic subscription.

Other member advantages include:

  • Stock, ETF, and mutual fund analysis
  • Educational tools
  • A portfolio tracker
  • Weekly investment ideas
  • AAII Journal
  • Local meetups

A Shadow Stock model portfolio (i.e., small-cap value stocks)

This subscription tier may be adequate for customers who desire full-length research papers and an entry-level model portfolio.

You will need to upgrade to the A+ Investor service or another premium product to use the stock screener or unlock additional model portfolios.

A+ Investor

AAII Shadow Stock Portfolio

A+ Investor subscriptions are $149 per year. It gives you access to different stock research tools for filtering the various investment options presented by AAII.

Other advantages include:

  • A stock and fund screener
  • A portfolio tracker
  • Stock ratings

This is the ideal membership package for most investors since it gives you access to the AAII stock ratings and screening tools, which are useful for exploring new investments.

Premium Services

Shadow Stock Portfolio

You may add more ratings and model portfolios by purchasing more services.

Among the different services are:

Dividend Investing with AAII ($199/year): Portfolio of 24 dividend-paying stocks

The Stock Superstars Report ($199/year): Includes a monthly newsletter and weekly stock alerts

VMQ Stocks ($279/year): Portfolio stock valuation and more

Stock Investor Pro ($299/year): Stock screener with over 6,000 stocks to research

These products may be used in place of investment newsletters since they provide access to stock research tools that most publications do not provide for a similar yearly subscription.


If you need numerous products, an AAII Platinum membership is $498 per year. Your first month might cost as little as $3, and you get a 30-day money-back guarantee.

This membership level provides complete access to each AAII model portfolio and extra stock screens.

Is AAII A Scam?

So, is AAII a scam? Not technically. You can make money with it, but it’s definitely not as easy as the company makes it sound.

Again, with any kind of financial product (especially trading), you’re taking on a lot of risk.

Sure, you could hit it big and retire in Italy, but chances are you need the stomach and financial cushion to weather tons of losses before you get there…and it may never happen.

Most of the big gains numbers these companies use in their marketing (“xyz grew by 4,112% in 3 months” or “this option made 324% in just 2 days”) are cherry-picked.

They don’t tell you about the 10 100% losers that came before.

In other words, if you invested $100 into 11 recommendations, you’d lose $1,000, and make back $324…so you’d still be out almost $700.

Most people don’t have the fortitude to stick it out through 3 straight months of losers in the hopes of landing one big winner.

What if, instead, you took those same 3 months, invested just a couple hours a day (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece

Saying goodbye to our job

They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To AAII?


Yes, there are plenty of other business models to choose from if you want to pursue this making money online.  Here are just a few:

What Is My Top Recommendation In Making Money Online In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1. It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.

Jump All In

2. You Own & Control EVERYTHING: With anything in the financial markets, you own and control NOTHING. You have no say in price fluctuations, demand, or what the market will do.

Trying to beat the market is fighting against the tide. There’s just too much working against you, no matter how many supercomputers or rocket scientists are on your side.

With Digital Real Estate, you own the assets, which means you have all the power and all the control.
Feeling Blessed

3. Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Scott Lead Gen

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

Lance Lead Gen

1. Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with any kind of trading or investing, you’d have to double your initial capital OR double the average order size of your existing trades. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


2. Make Money Helping Real People: This part is what makes it all worth it. In the financial markets, you might be helping your family, but the impact never goes beyond you and maybe a few others.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.

Boss of My Own Future

Now, the choice is yours. You could continue browsing, looking at opportunities like AAII which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

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