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The Q.ai Team
August 30, 2022

How to Transfer Money Within Q.ai

How to Transfer Money Within Q.ai

There’s a lot to love about Q.ai, and chief among those reasons is transparency. Q.ai makes it super simple to see your money—and move it, if need be. Transferring money from your bank account to your Q.ai account is easy, and transferring it between your DIY Portfolio and AI Portfolio is just as straightforward.

We don’t recommend moving your money around at the first sign of panic (we do recommend giving your strategies adequate time to perform). Toggling on Q.ai’s proprietary Portfolio Protection is our preferred way of protecting your gains and minimizing your losses in the event of a market downturn. That said, you do have flexibility within the app to move your money from portfolio to portfolio as you see fit.

Here’s how it works.

Where can you move your money?

You’ll notice on your performance dashboard that you have both a DIY Portfolio and an AI Portfolio. You have the flexibility within Q.ai to move your money between these Portfolios (as well as your Cash Portfolio).

The minimum amount for your DIY Portfolio is just $40. The minimum required balance you need to be invested in the AI Portfolio, however, is $400.  (You can read more about the investment minimums on the Help Center here.)

We have different types of Portfolios for a few reasons.

You might choose to move money into the DIY Portfolio because it has a lower investment minimum, making it easier if you’re on a tighter budget.

The DIY Portfolio also gives the users who want more autonomy the space to invest how they want. So you can manually type in how much of your funds in this portfolio that you want to be added to each Kit.

So, if you want a certain amount to always be invested in a specific Kit, you have that option with the DIY Portfolio. For example, if you want to keep at least 50% of your funds always invested in your Value Vault Kit at all times, you can leave it there in the DIY Portfolio, without worrying about AI changing the allocations amongst your Kits.

The AI Portfolio, on the other hand, gives users who want more automation just that. Instead of manually allocating your funds amongst the Kits in this portfolio, the AI might shift some of those allocations from week to week to emphasize one Kit over another when it automatically rebalances. 

So, similarly, if you want a certain amount to be allocated with the help of AI, you have that option with the AI Portfolio. For example, if you want at least $1,000 to be AI-allocated, you can invest $1,000 in your AI Portfolio, and AI will take care of it. You can’t guarantee that you’ll always have at least 50%  in your Value Vault Kit in the AI Portfolio, but you can guarantee that the AI will put those funds where it sees the most benefit to you.

Why we have different Kits within Portfolios

With Q.ai, you’re spoiled for choice of Kits in which to invest. We have four different types of Investment Kits:

  1. Foundation
  2. Limited Edition
  3. Specialty
  4. Community

Having different types of Kits gives users a chance to diversify their portfolios. A well-diversified portfolio, on average, sees 10% yearly returns.

Various Kit options also let users hop on short-term market trends, invest in niche spaces and tap into longer-term strategies all within the same portfolio. You have the option to choose where you want exposure thanks to a variety of Kits.

Again, you can move your money in and out of Kits as you wish with the DIY Portfolio. But the AI Portfolio allocates your funds as it sees best.

How can you transfer money in Q.ai?

Transferring money in Q.ai is simple. When you add funds to your Q.ai account from your bank account (after connecting your bank), the transfer can take one business day (withdrawals, on the other hand, can take three to five business days).

When you deposit funds from your account into a Kit within a Portfolio, your funds will be invested in the next trading window. You can also easily move your money from your AI to your DIY Portfolio and vice versa.

Within your DIY Portfolio, you can move money around from Kit to Kit by tapping the “Edit DIY Portfolio” tab. From there, you can tap the percentage to the right of each Kit to manually type in how much of your funds you want to be allocated to that Kit.

Visit our Learn Center to learn more about how Investment Kits invest your money.

Q.ai is the trade name of Quantalytics Holdings, LLC. Q.ai, LLC is a wholly-owned subsidiary of Quantalytics Holdings, LLC ("Quantalytics"). Quantalytics offers automated financial advice tools through Quantalytics Investment Advisors, LLC ("QAI"), an SEC-registered investment advisor. QIA’s investment advisory services are ONLY available only to residents of the United States. Disclosures concerning QIA’s investment advisory services are available on its Form ADV filed with the SEC. The content in this newsletter is for informational purposes only and does not constitute a comprehensive description of Q.ai's investment advisory services.

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