Making sense of crypto investing
It is an article that is determined to change the very way that you think about investing. It is an article about why long-term investing serves you far better than short-term speculation; about the value of diversification.
When you understand how our crypto markets actually work, you will see that investing philosophy is indeed the only investment tool that essentially guarantees that you will capture your fair share of the maket returns.
Get out of the casino and stay out!
Simple but not easy. Our investment philosophy is not only simple and elegant. The arithmetic on which it is based is irrefutable. But it is not easy to follow its discipline. So long as investors accept the status quo of today’s crazy-quilt crypto financial market system, so long as we enjoy the excitement (however costly) of buying and selling crypto, and so long as we fail to realize that there is a better way, such a philosophy will seem counterintuitive.
When you do, you too will invest in a new, “more economical, more efficient, even more honest way, a more productive way that will put your own interests first.
With the SAIEVE platform at its core, PECULIUM offers diversified portfolios — curated and managed by our leading-edge technology — that cover the spectrum of available digital assets. It’s crypto on autopilot, automatically rebalancing baskets and shifting to the currencies that our sophisticated algorithms recommend.
PECULIUM provides an opportunity for anyone to invest in digital assets. For as little as $200, you can invest in crypto in less than five minutes. There’s no prior knowledge required, either, since our education-focused approach takes the inscrutability out of crypto. We want you to understand exactly what you’re investing in and why. Because then you’ll also understand exactly why we are the company to guide you.
From Personalization to Cruise control, PECULIUM aims to help you with your whole journey in crypto investing.
We want you to reach your financial goals. So, we start by learning about you. What do you want to achieve? How soon do you want to achieve it? The right investment depends on how much you need to earn and how much time you have to earn it. Not sure how much you need to reach your goal? Or how much you can even invest? We can help with that, too. We explore how things like your income, where you live, and your tax bracket affect what your goal looks like and how fast you can reach it. The result is clear, achievable goals that fit your life and help you get the most from your accounts.
We’re not here to help you pick the perfect stock. Investing in a single financial asset leaves you vulnerable to that asset’s risks. With a single stock, you could lose everything if a company goes bankrupt, performs poorly, or gets some bad press.
Instead, we help you build a well-diversified portfolio. Diversification spreads your investments across assets, asset classes, and even markets, lowering your overall risk. We automatically diversify your portfolio based on your goals and desires.
3) Automation & Discipline
With automatic deposits and decisions based on algorithms, it’s easy to make steady progress toward your goals. It’s also easier to avoid common investor mistakes. Your portfolio will likely experience short-term losses here and there. It’s part of investing. And your reactions to these losses can have a huge impact on your long-term success. You can’t let emotions get in the way of your goals. By automating your portfolio and staying disciplined about investing, you’re better equipped to ride out the short-term losses and enjoy long-term gains.
4) Lower fees and costs
A robo-advisor like SAIEVE can save you a lot of money in fees and ongoing costs. We remove human advisors from the equation — unless you want them. When you have Assets Under Management (AUM) with a robo-advisor, the fees are typically a fraction of what you’d pay for a financial advisor. Our fees are just 2% annually. With a financial advisor, you’re looking at much more. And since everything is based on algorithms, you won’t pay extra for rebalancing and making other changes to your portfolio.
5) Put your financial goals on cruise control
Investing in Digital Assets doesn’t have to be difficult. And reaching your financial goals doesn’t have to take all your time and attention. With a robo-advisor and a smart strategy, you can create your plan and let the algorithms do the rest. Instead, we help you build a well-diversified portfolio. Diversification spreads your investments across assets, asset classes, and even markets, lowering your overall risk. We automatically diversify your portfolio based on your goals and desires.
6) Manage taxes
Taxes are one of the trickiest parts of investing. Sell for a profit at the wrong time, and you’ll be on the hook for short-term capital gains taxes. Sell the right asset for a loss at the right time, and you can offset taxes through tax-loss harvesting. Managing taxes wisely helps keep your gains consistent and maximize what you get to keep. With a robo-advisor like SAIEVE, this can happen automatically if you select this feature. The algorithm optimizes your portfolio to try and keep you from being hit hard by taxes. A financial advisor can do this too, but will usually charge an additional fee.
Moreover, one needs to look for the investment approach that is most closely aligned with his values, risk tolerance and financial goals.
Where your personal convictions lie in relation to your investment objectives, and which of these should be given more weight in your decision-making process?
Invest in line with your values?
Perhaps you are concerned with protecting marine life and would like to support projects that remove plastics from the ocean. Or maybe you would like to ensure that girls have equal access to opportunities as boys. Investing in line with your values can be done either through impact investing — where you ensure a positive societal impact while also making a financial return — or by excluding companies involved in controversial activities.
Certain non-financial risks, such as a textile company’s insufficient management of labour rights issues in its supply chain, can hurt financial performance in the long run. Investment strategies that identify such Environmental, Social, and Governance factors can help investors avoid these risks.
Companies that are actively tackling global challenges such as climate change by developing renewable energy technology, for instance, are well-positioned to deliver long-term economic benefits to investors.
No matter what your priorities and personal convictions are, we, at PECULIUM can help you find the approach that best suits your needs. Because how we invest today is how we live tomorrow.
PECULIUM has always been a company driven to democratize access to investment opportunities previously only available to the very wealthy. The development of blockchain technology has been a key factor in enabling this ongoing financial revolution. But blockchain goes beyond offering a more efficient replica of the traditional financial ecosystem-it enables new business models that are better aligned with the incentives of all market participants.
PECULIUM has developed saieve.io, a crypto investment and asset management platform that connects to exchange accounts and allows users to instantly access vetted trading strategies and investment portfolios. Founded to simplify trading strategy for users without any technical experience, PECULIUM has a growing offering of automated investment products.
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