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Vests

Vests are custom portfolios just for you. They are curated portfolios that comprise of stocks and/or ETFs. Vests are constructed with different goals or themes in mind. Some Vests are built to enable investors to invest into diversified core assets that balance performance and downside protection, while other Vests are theme based, enabling investors to narrowly focus their investments on specific industries or core themes.


At this time, we offer 5 Vests for both conservative and aggressive investors


All Weather

All Weather

Overview: This All Weather Portfolio Vest follows Ray Dalio’s All Weather Portfolio Strategy, which was introduced by Dalio – founder of Bridgewater, the largest hedge fund in the world.


Objective: The goal of this strategy is to try and achieve a portfolio that has a balanced risk exposure to market conditions by investing in four core asset classes: stocks, bonds, commodities, and gold.


You may like this if: You prefer lower volatility in your investment and would like to minimize the possibility of large drawdowns during periods of recession.


Swensen Portfolio

Swensen Portfolio

Overview: This is the portfolio that David F. Swensen (Chief Investment Officer of Yale endowment fund) recommends for individual investors in his book, Unconventional Success. It has a blend of equity and fixed income investments.


Objective: This Vest employs a long-term investment strategy that is optimized for stability and is designed to protect your investments during turbulent market conditions.


You may like this if: You have a long-term investment horizon and want to gain from equity growth, while maintaining downside protection with diversification in three core asset classes: stocks, real estate, bonds.


BlackRock Smart Beta

BlackRock Smart Beta

Overview: Using low cost BlackRock iShares ETFs, this Vest incorporates multi-factor strategies such as: Value, Size, Momentum, Minimum Volatility, and Quality factors.


Objective: This Vest employs a long-term investment strategy that takes advantage of smart beta strategies that screen for persistent drivers of return, similar to strategies that are employed by institutional investors.


You may like this if: You want to employ a long-term investment that takes advantage of smart beta strategies.


Digital Cash

Digital Cash

Overview: Digital payment is one of the fastest growing sectors in financial technology. McKinsey has reported that the total global revenue for the industry is poised to increase to US $3 trillion by 2023, from US $2 trillion globally in 2018. This is largely driven by the move away from cash and the growth of e-commerce.


Objective: This Vest curates a list of companies that provide products and services in the digital payment ecosystem.


You may like this if: You believe that digital payment is the way of the future, and you desire to invest in this segment.


Software-as-a-Service (SaaS)

Software-as-a-Service (SaaS)

Overview: Gartner has reported that the SaaS vertical is projected to grow from US $94.8 billion global revenue in 2019 to US $143.7 billion in 2022. This Vest curates technology companies that derive their revenue from business-oriented software products that have the following two characteristics: (1) software is delivered via the cloud and (2) revenue is generated from subscription or volume-based billing.


Objective: This Vest curates companies with a SaaS business model that operate in various sectors.


You may like this if: You have a high risk tolerance and would like to earn potentially higher returns by investing in the SaaS sector.


How it Works

US Investing
  • When you invest in a Vest, you trigger buy orders to invest in numerous stocks or ETFs. The investment that you make will be automatically allocated to the individual stocks/ETFs.
  • As time progresses, we will monitor the Vests and offer you the opportunity to rebalance/update the Vests.
  • You can sell any Vests anytime - there is no minimum holding period.
  • There is a US $50 minimum to invest into a Vest. This is to prevent allocating too small of an amount into the individual stocks (for example, the SaaS Vests comprised of 23 different technology stocks)

Pricing

There will be a $3 upfront cost and 0.042% monthly fee (only for the amount invested in Vests) when you invest in a Vest. Investing in other stocks/ETFs though the basic plan is still free.


To celebrate DIWALI, we will waive the $3 upfront fee for now.


Access to Vests

To access Vests, you can access your Vested account on the web (app.vested.co.in). Vests will be available on our Android app in the upcoming weeks.