The funds in your account are held under your name at Interactive Brokers, LLC to FINRA, Registered broker dealer, (www.finra.org) and regulated by the Security Exchange Commission (SEC). The Securities Investor Protection Corporation (SIPC) insures your account at Interactive Brokers against potential fraud. For more information on SIPC insurance, please visit www.sipc.org.

All investments carry some type of risk. The securities you hold in your account are subject to market volatility and risk. If the markets go up, most probably your account value will go up as well. When markets are down, your account can lose money. While over short period of time fluctuations are part of the markets, historically over the long term your investments will likely increase.

Yes, you can withdraw your funds whenever you want. Typically, it takes 5 business days to have your funds available.

Our investment philosophy is based on two fundamental principles. The modern portfolio theory and the correct allocation according to risk tolerance.
Modern portfolio theory: it is an investment theory that studies how to maximize return and minimize risk, through an appropriate choice of the components of a securities portfolio. Originated by Harry Markowitz. It proposes that the investor should approach the portfolio as a whole, studying the characteristics of global risk and return, instead of choosing individual securities based on the expected return of each particular security.
Portfolios are customized and designed to fit the client's level of risk while being globally diversified. Only UCITS ETFs are used, which provide excellent diversification and liquidity at a minimal management cost, as well as important tax benefits for investors who do not reside in the United States.

You can fund your account with a wire transfer or with a check in dollars. Once your account has been opened, we will provide you with funding instructions.

Yes. Once you opened your account you can change your portfolio from your dashboard.

When you open your account, we ask you few questions so we can determine your risk tolerance, investment objectives and time horizon. With this information we are able to create the optimal portfolio for you. Once you opened your account you can shift among the different portfolios we offer at any time.

Interactive Brokers doesn’t charge any fees for deposits made in the accounts. For withdrawals, the first one in the month is free and then there is fee of $10 per each withdrawal.

The annual management fee is based on assets under management as follows:

For the first 300k up to 1.5% per year
Then, from USD 300,001 to 1,000,000.00 up to 1.25% per year
And then, from USD 1,000,001 and up, up to 1% per year

The calculation of the fees varies depending on the type of account that the Client maintains at Interactive Brokers.

A. For clients with cash accounts, the advisory fee ranging between 1.00% to 1.50%, annually is automatically calculated by Interactive Brokers and based on a percentage of assets under management. This wrap fee is inclusive of securities transaction, sub-advisory, brokerage, and custodian fees incurred as part of their overall account management. The fee will be billed monthly, at the end of each month based upon a percentage of the value (market value or fair market value in the absence of market value) of the average daily assets held within the client's account during each calendar month. The market value is determined by Interactive Brokers. When services provided are for less than one calendar month, the fee will be prorated and the client shall pay any outstanding aggregate daily fees for the period from the day immediately following the last day of the last calendar month for which the client has paid, through the effective date of such withdrawal or termination, as of such effective date. Pursuant to a signed agreement, the Clients are generally required to authorize Adviser (i.e. Credicorp Capital Invest) and/or sub-adviser (i.e. BCP Global) to instruct Interactive Brokers to debit all advisory fees directly from the account and to pay such advisory fee to sub-adviser. Monthly advisory fees debits will appear on client’s account statements. Advisory fees will be payable, first, from free credit balances. The calculation is made daily based on the ending market value (“EMV”) of the assets managed by the Advisor the previous month. To make the daily calculation Interactive Brokers applies the annual tiered rate to the EMV and then divides it by 252 business days for the year. The fee charged is the sum of the daily fee calculations at the end of the month.
B. For clients with margin accounts, the advisory fee is calculated manually by BCP Global. The advisory fee calculation is based on the average of the market value (“AMV”) of the assets in the account on the first and last day of the previous month. To determine the fee rate that will be applied to the AMV, the annual tiered rate is divided by 252 business days and then multiplied by the number of business days in the month. The resulting fee rate is then applied to the AMV to determine the fee charged for the month.
Generally, the fees will be debited by Interactive Brokers and will appear on client’s account statements. Fees will be payable first, from the positive cash balance in the client’s account, if any, in the account, and second, from the liquidation of a client’s position.

A UCIT ETF is a security that usually tracks a basket of stocks, bonds or assets like an index fund, but trades like a stock on a stock exchange. They closely track their benchmarks, such as Dow Jones Industrial Average or the S&P500. They provide great diversification, offer ample liquidity, and they are tax efficient for investors who do not reside in the U.S.

Yes, you can close your account anytime and you will not be subject to any penalties.