ETFs

Keeping a wad of cash in your checking account isn’t the solution if you want your money to work and grow for you. While investing carries risk, the good news is, when you invest, you get to choose the level of risk you’re comfortable with.

Exchange Traded Funds (ETFs) are a basket of securities and serve as a valuable tool for managing your investment risk via a process known as diversification. Despite the availability of investment funds like ETFs, figuring out where to begin and what to invest in isn’t always easy.

Enter Finch

Finch’s all-in-one checking and investing account lets you earn investment returns by automatically investing your checking balance into a personalized portfolio of ETFs designed to match your unique risk profile. Finch further pushes the envelope by enabling you instant access to your money when you need it – even the invested part!

Our goal is to help you put your money to work, and with our all-in-one checking and investing account, it’s never been easier.

What Finch Offers

As a robo advisor, Finch makes selecting your investments easy by providing you personalized investment recommendations that best suit your needs.

We then put your investments on autopilot. With Finch, you don’t need to actively manage your investments or buy or sell each individual stock on the stock market. Once you set up an account with us, when it comes to managing your investments, we handle it for you.

By keeping your money in Finch, you could increase your wealth by up to 50% every ten years.

How it works

Finch makes it easy to put your money to work! Opening an account is simple. There are no hidden fees, no minimums, and you can start for free

Invest simply

When you sign up for your Finch account, we ask you a few questions to determine your risk tolerance and goals. We use this information to provide you personalized investment recommendations and guidance to build your portfolio. Finch only offers a curated set of large, diversified, low-cost stock ETFs and bond ETFs created by some of the world’s largest asset managers. This is to make your investment choices simple while managing risk to a level that is appropriate for your everyday account.

Want a little more control? No problem. While we limit the types of ETFs you can invest in, for the investment enthusiasts who are after a little more flexibility, we provide the option for you to adjust your portfolio mix to your desired level.

Finch offers two portfolios: Stable and Growth:

The Stable portfolio consists of cash and a mix of ETFs that invest in short-term government and corporate bonds. The goal of this portfolio is to allow you to dip your toes into investing while aiming to preserve your capital. This portfolio gives you the potential to earn a return marginally greater than, but comparable to, what you would earn in a high yield savings account. Over the past ten years, a simulated Finch account invested in a typical Stable portfolio would have earned 9.0x more than a checking account and 1.8x more than a high yield savings account.

The Growth portfolio consists of cash and a mix of ETFs that invest in US large stocks and bonds. The goal of this portfolio is to help you to unlock the benefits of investing and build long term wealth. Over the past ten years, a simulated Finch account invested in a typical Growth portfolio would have increased your balance by 33%.

As a reflection of our values, we offer a free upgrade to a sustainable version of the growth portfolio that invests in companies that have a positive environmental impact, are socially responsible, and commit to high governance standards.

With your portfolio selected, your investments are put on autopilot, and your balance is put to work for you. From here, you can deposit into and spend from your Finch account just like you would with a typical checking account.

When it comes to the ongoing management of your investments, we’ll handle that for you. Your investment returns are posted to your account each trading day and are automatically reinvested as are any dividends you receive. When you deposit or spend, we use fractional shares to rebalance your investment portfolio to keep you at your portfolio mix.

We believe your money shouldn’t need to be locked away to be working for you. That’s why Finch is the first account to offer instant access to your invested balances. With Finch, be rest assured knowing your money will be hard at work yet free as a bird!

The Features & Benefits of Opening a Finch account

Finch offers features that can truly make a difference to your financial future:

  • Entire balance automatically invested
  • Instant access to your balance
  • Personalized investment portfolio of ETFs
  • Integrated checking account and investing account
  • Free basic account
  • No hidden fees
  • Commission-free trading
  • Direct deposits
  • Free bank transfers
  • Added debit card security
  • Free withdrawals at over 55k ATMs

In addition to these features and benefits, we’re backed by a FDIC insured bank and SIPC insured broker dealer so you can rest easy knowing your money is protected.

How to get started:

Your Finch account can be created in minutes, with our easy process. Here’s how to get started:

  1. Download our mobile app for iOS
  2. Open an account
  3. Deposit your money into your account
  4. View our personalized investment portfolio of ETFs

5. Select your package and portfolio mix
6. Earn investment returns on your entire balance
7. Access your money instantly, even the invested part!

In addition to these features and benefits, we’re backed by a FDIC insured bank and SIPC insured broker dealer so you can rest easy knowing your money is protected.

Ready to Fly with Finch?

Download our iOS mobile app and start putting your money to work today.