Investing with Q.ai is simple because you don’t need a lot of money in the bank to get started. Contrary to many population platforms, you only need a minimum of $100 to fund your account and start building wealth with Q.ai.
That said, Q.ai’s AI-powered portfolios—the DIY, AI and Cash Portfolio—as well as the investment strategies, which we call Investment Kits, do have their own minimums. The minimum amount for the DIY Portfolio is just $40, while the AI Portfolio requires $400 and the Cash Portfolio needs a minimum of just $10. The funds in the Kits in the DIY and AI portfolios need to add up to at least $40 and $400, respectively—but each Kit has its own minimum.
Here’s a list of each of the Kits’ minimums:
How much you should invest depends largely on your risk tolerance, which refers to the level of risk with which you’re comfortable when it comes to investing.
You may lean on the aggressive side with a high risk tolerance, you may lean more toward the conservative side with a low risk tolerance, or you may find yourself somewhere in the middle with a moderate risk tolerance.
Understanding where you fall on the spectrum—or just how much you can stomach the swings—is important, as it helps to inform your investment decisions.
Let’s unpack the three aforementioned investor types.
An aggressive risk tolerance means that you are willing to accept more volatility for the potential of bigger rewards. You don’t mind playing with fire in a swinging market if the chance to earn the big bucks seems promising.
A moderate risk tolerance is not aggressive, but not quite conservative either. You have the wiggle room to be a little riskier with your investments than your conservative peers, but that doesn’t mean that you are willing to risk it all. You still appreciate some level of safety and want to protect your gains while reaching for more rewards.
A conservative risk tolerance refers to the least amount of risk. You want to reduce risk and protect your gains as much as possible, even if that means that you don’t necessarily maximize your reward as much as potentially could. You’d prefer to play it safe, and you accept that you probably won’t earn as much as you can while doing it, but you always know that you probably won’t lose as much either—and that’s your comfort zone.
There are various factors that may affect how much you invest (and how you invest your money).
Of course, your investment goal is the first and foremost factor that influences your risk tolerance. If your goal is to save for retirement well down the line, you likely have a lot more room for risk than someone who is aiming to save up for the down payment on the house they’re buying in the next year. In this case, you may choose to invest a little more.
Age is a major factor in your risk tolerance because, the younger you are, the more room for risk you have for long term investments. That’s because you have longer for your investments to navigate inevitable market volatility and come out on the other side in the event of downticks. Never mind that the longer you invest, the more time your money has to make more from increased capital and compounded interest.
Your income is a major indicator of your risk tolerance, as well. How much money you earn may influence how much spare income you have to invest. If you’re living paycheck to paycheck, you’re probably not going to be willing to risk as much as you would be if you could invest a quarter of your income. Therefore, you might choose to invest a little less.
Ultimately, how much you invest in Q.ai is up to you, so long as you hit the Investment Kit and portfolio minimums, as well as the low account minimum of just $100. The more risk you’re willing to take on, the more and more aggressively you can invest. Rest assured that there are Investment Kits available for every risk level. You can check out how they perform here.
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