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The Q.ai Team
November 24, 2022

Questions Our Team Gets All the Time About Q.ai

Questions Our Team Gets All the Time About Q.ai

We love hearing from our users, and we get awesome feedback all the time. We’re proud to be powering a personal wealth movement, democratizing investing for everyone so it’s accessible and affordable. But paving a new path means that we’re sometimes met with questions about what exactly we’re doing at Q.ai—and how exactly we’re doing it.

Of course, you can always search our Help Center for answers to some of the most commonly asked questions. You can also reach out to our support team via email with any specific questions you may have. And we have communities across an array of platforms, like Discord, Instagram and Twitter, where you can chime in on ongoing conversations or ask questions.

That all being said, these are five most frequently asked questions our team gets asked.

1. Can I just set it and forget it?

Technically, yes, you can just invest a minimum of $100 (or more) into your Q.ai account and leave it there to do its thing. But not every investor wants to be so hands-off, and that’s why Q.ai is great for all kinds of investors. We have options for both the passive investors who’d rather let our AI buy and sell stocks and ETFs on their behalf, and the more active investors who’d prefer to have more of a say in where they invest their money.

We have two types of portfolios: DIY Portfolio and AI Portfolio. The DIY Portfolio is for anyone who wants to choose how much money they invest in a specific Kit (or Kits) and go into the app to make these adjustments at any time.The AI Portfolio, however, uses AI to allocate your funds for you, requiring you to build your portfolio of Kits before handing over the portfolio management portion to our AI.

2. What is auto-rebalancing?

Each week, our AI analyzes your Investment Kits to find a healthy balance of risk and reward. We call this auto-rebalancing. We adjust the assets in the Kits in both your DIY and AI Portfolios each week, based on what our AI predicts as the smartest money moves.

Within your AI Portfolio, our AI also auto-rebalances the proportion allocated to each  Kit. It does so based on the expected risk and returns of those Kits in relation to each other. Your DIY Kit, however, doesn’t ever change how much money you have allocated to each Kit; only you can do that, manually.

3. What really does your AI do?

We use AI for a few reasons. The most important reasons we use AI is first to find and act on the best investment opportunities out there and then to protect your investments from sudden losses in the market. We also use AI to analyze huge amounts of data to best implement our investment strategies and predict risks ahead. One set of our algorithms select the securities in each of our Investment Kits, which are automatically rebalanced (see below) every week. So, one week, you might be invested in certain companies that we swap out for different stocks the next. Another independent set of unique algorithms determines the weights of your Kits within your portfolio (specifically, your AI Portfolio, which you can also read about below). Q.ai uses AI to diagnose each Kit’s specific riskiness and how correlated that risk is with other Kits in your portfolio—and it adjusts accordingly.

Overall, AI helps investors automate investment research, improve forecasting and risk management, and incorporate alternative data to make more educated investment decisions. You can learn more about how Q.ai leverages AI on our Learn Center.

4. Is Q.ai regulated and insured?

Yes, Q.ai is regulated and insured.

It’s important to note that Q.ai is not a broker dealer. Q.ai is the trade name of Quantalytics Holdings, LLC ("Quantalytics"), which is a Registered Investment Advisor (RIA) that is regulated by the U.S. Securities and Exchange Commission (SEC). 

Your account is held at Apex Clearing, which is an SEC-registered broker-dealer and member FINRA/SIPC. You can rest assured that your brokerage account is SIPC insured up to $500,000, including a maximum of $250,000 for cash claims. All cash in an account swept into Apex’s Sweep Program is FDIC insured up to $250,000.

5. How much does Q.ai cost?

Q.ai is free to use, unlike many other wealth-management apps out there. You don’t need to pay any fees to sign up or make trades. All you need is $100 to make a minimum deposit.

That said, each of our Portfolios (the DIY and AI Portfolios), have their own investment minimums. While the minimum amount for the DIY Portfolio is just $40, the minimum required balance you need to be invested in the AI Portfolio is $400. 

Investment Kits also have their own investment minimums. The Kits are organized in your dashboard by how much is needed to get invested in them. You can learn all about their minimums in our Help Center. 

Have more questions about Q.ai? Head over to our Help Center for answers to more frequently asked questions.

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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