Motif Investing Review: 7 Secrets You Should Know!
Motif Investing Review: Design Your Own Motif
Are you looking for a unique investment trading platform?
In our Motif Investing review, we’ll go through the costs, the benefits and downsides, and whether or not it’s suitable for you.
Motif Investing provides a wide range of self-directed investments with the added benefit of robo-advisor management.
You could either create your own pre-built mini portfolios, or invest in one.
You may even make money if other platform investors invest in your portfolios. Motif Investment also provides initial public offerings, socially responsible investing, and eventually, cryptocurrencies.
But just in case Motif Investing is not your thing… I’ll also show you the exact system I used to build my own internet marketing business to over $40,000 a month in mostly passive income.
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Table of Contents
Motif Investing Rating
Ease of Use 9.5/10
Customer Service: 8.5/10
- Choose from pre-existing portfolios.
- Build your own portfolio.
- There is no account minimum.
What Is Motif Investing?
Motif Investing, based in Rancho Cordova, California and launched in 2010, is partly an online brokerage business (in which you may pick your own assets) and partly robo-advisor (it handles your holdings on your behalf).
As a result, it is one of the most distinctive and advanced investment platforms accessible.
This investment firm enables you to make investments in pre-designed portfolios known as motifs or to build your own.
You may accomplish this by combining equities in exchange-traded funds (ETFs). You can also have your motif built on any investing topic or target you want.
Motif Investing’s product line, on the other hand, has been growing steadily in recent years.
Today, it allows you to invest in socially responsible investments, initial public offerings, and, pretty soon, digital assets such as cryptocurrencies.
There are several new investing systems accessible, but Motif Investing is almost at the forefront of the top investment platforms.
It presently has over 350k customers, notably Goldman Sachs, J.P. Morgan, and a U.S. bank.
Motif Investing holds a B+ rating from the Better Business Bureau (BBB), although it isn’t BBB accredited.
How Motif Investing Works
Motif has become a diverse investment program that it now offers multiple investment possibilities.
To start with Motif Investing, open a Trading Account, which requires no initial investment.
You can use this account to trade a stock or ETF, and begin investing in motifs.
Motifs are the company’s operative term as well as the most basic investment strategy in the platform.
A theme is, in essence, a portfolio consisting of a maximum of 30 stocks or ETFs. These consist of a combination of stocks and ETFs.
The company has hundreds of pre-built themes that you can choose from. I f you wish to create your own motif, however, you are free to do so. A motif theme can be created based on nearly any investing concept.
After you’ve created your own motif or invested in one, it will be handled entirely by Motif Investing.
You can also invest in other portfolios of Motif Investing on top of opening a Trading Account. The business has expanded into a variety of diverse investment areas and intends to do so further.
Motif Investing Features and Benefits
Minimum Initial Investment: Because Motif Investing offers multiple alternative investing models, each has its own set of minimums:
- Trading accounts = $0
- Motifs = $300
- Motif Impact Portfolios = $1,000
- Margin accounts = $2,000
Available Accounts: Taxable individual and joint accounts, rollover IRAs, Roth, and traditional; trust accounts
Available Investments: All U.S. exchange listed stocks, ETFs and American Depositary Receipts (ADRs).
Account Clearing Agent And Custodian: Motif Investing funds are held with one of the largest financial institutions in the world, Pershing LLC, with assets worth approximately $1 trillion under administration.
Margin Accounts: At least a $2,000 account balance is required. If it falls below this amount, you will get a margin call and will be asked to make a mandatory deposit of additional funds. Current margin rates range from 8.25% for accounts more than $500k to 10.75% for accounts less than $1ok.
Only direct stock and ETF purchases are eligible for margin investing and can’t be in tandem with motif portfolios.
Portfolio Rebalancing: Yes.
Fractional Shares: You may trade as low as.01 shares of stock with Motif Investing. With just a small investment, you will be able to establish a portfolio of fractional shares.
Mobile App: In addition to the web version, Motif Investing can be downloaded on iOS (9.3 or later), and on Android devices (4.4 and up).
Customer Service: Motif can be contacted by either phone or by e-mail, 9:00 AM to 6:00 PM, Eastern time, Monday through Friday.
Account Security. SIPC safeguards your account in the event of a broker failure (not market losses). Your account is insured for a max of $500,000k in securities and cash, with cash of up to $250k.
Motif employs firewalls and security technologies, notably secure socket layer (SSL) technology, to safeguard information.
This service costs $19.95 monthly and includes the following features:
- Three monthly commission-free real-time trades
- Unlimited commission-free next market open trades
- Quotes in real time
Motif Investing Investment Methodology
Motif provides seven portfolio options, three of which are for institutional investors and the remaining four for individuals.
Motif Thematic Portfolios
Motif Investing is popular for their motif thematic portfolios. Theme-based portfolios are provided based on investing objectives that they set.
Each one is comprised of a selection of a maximum of 30 different stocks and ETFs. However, Motif includes over 150 pre-built portfolios, with the option of creating your own.
It can identify patterns and trends, and then assesses data sets using sophisticated algorithms to figure out which businesses are driving that trend. They then create a portfolio based on a particular theme.
Although the portfolios are given charming titles, they serve a serious purpose. One motif, for example, is named Repeal Obamacare, whose focus is on businesses which has the potential to gain in case Obamacare is repealed.
Online Video, Shale Oil, Casino Gambling, Deflation, Precious Metals, and Cyber Security are examples of the other pre-built motifs. Each is built around the fundamental theme and involves investments that correspond to the goal.
Thematic Portfolios, once again, need at least $300/ motif. A maximum of 250 unique motifs can be purchased or built. Once you’ve created a one-of-a-kind motif, you can give other Motif investors access to it.
Bonus: You’ll receive $1 under Motif’s Creator Royalty Program every time an investor purchases or rebalances a motif you’ve created. Earned royalties will be paid out about 15 days after every quarter.
These are the portfolios of socially responsible investment offered by Motif Investing which are completely automated and tailored to your core values as well as your investing goals.
Each Impact Portfolio is made up of equities and ETFs from several asset types, such as:
- U.S. stocks
- Developed market stocks
- Emerging market stocks
- Real estate stocks
- Commodities stocks
- U.S. bonds
- International bonds
They also use tax-aware auto investing to limit asset sales and hence reduce taxes of capital gains. At least $1,000 is required for each portfolio. This group presently consists of three portfolios:
- Sustainable Planet: These are company stocks that actively pursue sustainability in order to decrease their carbon impact.
- Fair Labor: Invests in businesses that promote job stability, safe working conditions, and fair pay.
- Good Corporate Governance: This portfolio is comprised of investments in businesses that have demonstrated an excellent ethical track record in terms of accountability, transparency, and fairness.
You may also modify the asset allocation in any of the aforementioned portfolios based on your specific preferences.
Initial Public Offerings
Motif Investing allows you to create a Motif account or engage in an initial public offering (IPO). You decide how much to invest, make a conditional offer, and then get your IPO shares.
One of the primary benefits of the Motif Initial Public Offering is that it allows small investors to partake in one of the most successful investing activities available.
Historically, only institutions and the extremely affluent could invest in initial public offerings (IPOs). However, you may now be part of an IPO for only $250. And the initial investment is free of charge.
Because IPOs are very rare, you can be notified as soon as they are available, but you would need to sign up for it.
Motif has initially provided access to over 100 IPOs, such as Redfin, Trivago, and ADT.
This option will be available soon. Until then, you may sign up for a waitlist to secure a slot once it’s available.
The website has limited information because the portfolio is not yet available. It appears, however, that you will be able to add to your portfolio “Bitcoin and digital assets.”
You’ll have to wait for this one or alternatively, sign up for the waitlist.
Motif Investing Fees
Motif Investing offers two fee structures:
- 0.50% Motif Thematic Portfolios
- 0.25% Motif Impact Portfolios
The following are the trading costs for Build Your Own Portfolio:
Trades on the next market day comprises the first fee. However, the costs for quick, real-time trades are significantly higher.
For instance, if you wish to buy a real-time ETF or stock, it’s going to cost you $4.95 per trade. If you wait, however, until the following market opens, the cost is $0. In addition, if performed in real time, broker-assisted trades cost a hefty $29.95.
If you wish to execute it in real time, the cost to create or buy into a motif will be doubled. This could make the costs prohibitively expensive on small investment amounts, like $300.
IRA Fees. Motif Investing imposes a quarterly fee of $10 if you don’t have the following:
- A Motif Blue membership
- A balance of more than $10k
- Commission trades for the last 3 months
An IRA cancellation charge of $95 is also one of Motif’s policies.
How To Invest With Motif
The following are the requirements for opening a Motif Account:
- At least 18 y.o.
- Citizen or permanent resident of the United States
You’ll be asked to key in your email address and create a password. After which, you will have to provide the following information:
- Physical address
- Full name
- SS number
- Driver’s license
At times, they would need to verify your income and employment.
Funding Your Account
Once you’ve linked your bank account, you’ll be able to send funds to your account using ACH. However, funds can also be transferred from another banking institution through wire transfer.
Should you opt to fund your account via check, you will have t make it payable to the clearing agency and custodian of the account – Pershing LLC.
Motif Investing Pros And Cons
- Choose from pre-existing motifs (portfolios) based on very specialized investing themes, or alternatively, create your own motif.
- The option to build your own theme allows you to generate very specialized investing possibilities not greater than 30 stocks.
- As a robo-advisor, motifs and other portfolios will be handled for you once it’s set up. Your sole task is to fund current or new themes and portfolios.
- Motif Impact Portfolios can provide you with the chance to partake in socially responsible investing by presenting you with predefined portfolios that you can then personalize.
- You can start with Motif by just opening an account even with zero balance, then begin as soon as you’ve put in a minimum of $300 in your account.
- Next day stock and ETF trades can be done free of charge.
- Thematic Portfolios cost $9.95 per motif, which is a lot to spend for a portfolio as little as $300.
- Real-time trading fees are significantly higher, and are not comparable with other brokerage companies that regularly trade in real-time.
- While Motif Investing currently lets you trade individual stocks, the program’s trading capabilities are restricted in comparison to a more experienced brokerage firm.
- Customer support is only available during regular business hours. If you have issues or problems after hours, on weekends, or on holidays, you will be unable to reach them.
- Motif Investing does not provide interest on cash that is not invested.
- Stocks and ETFs can be used to invest, but no mutual funds, options, or other assets are allowed.
What Is Our Top Recommendation For Making Money Online In 2021?
Our review team has come across a program in the real estate industry that is next level!
Although it’s not real estate in the traditional sense, it’s all digital.
Where Motif Investing falls short is in scalability.
There’s only so much time in a day and there’s only so much money you have to start with.
Let’s face it, unless you have a lot of money to start with, you don’t stand to make much money with stocks, ETFs and cryptocurrency.
But what if you could make even more money off of little local websites without having to worry all day about losing your money in the blink of an eye?
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Sound too good to be true?
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How do you get paid and how much?
Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other.
A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario.
Let’s say you build and rank the site and only 10 jobs a month come in. The average tree service job is anywhere from $500-$2000!
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See why they call it digital real estate now?
That’s a rent payment.
The great thing is how easy it is to scale. You don’t have to worry about the constant and crazy market volatility that cryptocurrency entails.
So, getting back to Motif Investing, if you take one of their picks…you could lose BIG TIME.
The course we recommend actually allows you to collect HUGE FLAT RATE DEALS.
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The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen.
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Once the training program is completed you will also have access to a Facebook group much better than the Motif Investing group in our opinion. This group is much more active.
Unlike Motif Investing, where you’re profiting maybe $10 per trade, you could be getting 10-20X THAT.
A business will always want more leads and another job.
In fact it doesn’t even matter that the job isn’t coming from their website… they see it as it is…
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Unlike Motif Investing, more people have been able to walk away from their 9-5 job as well.
Digital real estate allows you to have passive income with most of your day being spent ENJOYING your money, NOT losing it.
Now, I know you probably have tons of questions…