Common questions.

Invest AI is an AI-managed investment platform. Instead of passive index funds or static model portfolios, your money is managed by Apex, an autonomous AI research engine that continuously scans markets, identifies statistical edges, and allocates capital accordingly. Think of it as a hedge fund built on software, accessible with a $1,000 minimum.

The minimum deposit to open an Invest AI account is $1,000. There is no maximum. You can add funds at any time after your account is open.

You create an account, complete identity verification (standard KYC required by regulation), link a bank account, and fund your Invest AI account. Once funded, Apex begins managing your portfolio, typically within one business day of funds settling.

Currently, Invest AI is available to US residents with a valid Social Security Number and a US bank account. We plan to expand internationally. Accounts are individual taxable brokerage accounts; retirement accounts (IRA, 401k) are not yet supported.

Invest AI is in a supervised early-access phase. The Apex engine is operational and being actively monitored. Positions are live at Interactive Brokers. We are accepting waitlist signups for expanded access.

Your funds are held at Interactive Brokers LLC, one of the largest and most regulated US broker-dealers. Interactive Brokers is a member of SIPC, which protects brokerage accounts up to $500,000 (including $250,000 for cash). Invest AI never holds or takes custody of client assets.

Yes. You can request a withdrawal at any time with no penalties or lock-up periods. Withdrawals typically settle and arrive in your bank account within 1–3 business days, subject to standard brokerage settlement timelines.

Because your assets are held directly at Interactive Brokers, not at Invest AI, they are fully recoverable if Invest AI ceases operations. Your account at IBKR is yours, and you can transfer it to another broker or withdraw directly. Invest AI never commingles client assets.

Brokerage accounts are not FDIC insured. However, securities in your account are protected by SIPC up to $500,000 (including up to $250,000 in cash). SIPC protects against broker-dealer failure, not investment losses.

Yes. Your portfolio holdings are visible in real time on your Invest AI dashboard and directly within your Interactive Brokers account. You always have a complete picture of your positions.

Apex continuously runs hypothesis tests across thousands of market patterns. When it identifies a statistically robust edge (a pattern with sufficient evidence of repeatability), it adds it to the active strategy set. The master allocator then weights these edges and constructs a daily portfolio. Positions are sized using risk controls and updated as market conditions change.

Apex is designed to trade across crypto, US equities, commodities, and bonds. The specific instruments active at any given time depend on which edges are certified and active in the current market regime. Diversification across asset classes is a core design goal.

Yes. You can set preferences including favorite assets (which Apex will weight favorably) and exclude specific assets or sectors you don't want in your portfolio. Apex retains full discretion over final position sizing and entry/exit decisions within your preferences.

The Why Feed is Invest AI's transparency layer. It shows you the reasoning behind each trade in plain language: why Apex entered a position, what edge it was acting on, and how that position is performing. It's designed so you can follow along with the AI's decision-making without needing a quant finance background.

Betterment and Wealthfront are passively managed. They rebalance a fixed portfolio of index funds and don't trade based on market conditions. Invest AI is actively managed: Apex makes real trading decisions, changes positions, and aims to generate alpha above passive returns. The fee structure reflects this difference. We charge nothing unless we produce profits.

Invest AI charges a 25% performance fee on net new profits only. There is no management fee, no trading commission, and no account fee. The fee is calculated quarterly based on your portfolio's growth above its high-water mark. If you didn't profit, you pay nothing.

The high-water mark is the highest portfolio value at which you've previously been charged a performance fee. You only pay the 25% fee on profits that exceed this previous peak. If your portfolio drops and then recovers, you don't pay a fee on the recovery, only on the new profit beyond the prior high. This ensures you never pay twice for the same gain.

Invest AI is a taxable brokerage account. Capital gains (both short-term and long-term) are taxable events, the same as any brokerage account. Invest AI does not provide tax advice. Please consult a qualified tax advisor about your specific situation. We plan to provide year-end tax documentation (1099) through Interactive Brokers.

No. There are no guarantees. All investing involves risk, including the possible loss of principal. Past simulated or actual performance does not predict or guarantee future results. Markets are unpredictable, and strategies that have worked historically can stop working. Invest AI is not appropriate for money you cannot afford to lose.

If Apex produces losses, you bear those losses, and Invest AI charges no fee. We do not guarantee principal protection. We design the system with risk controls (position limits, drawdown gates, regime detection) to limit the size of losses, but no system eliminates risk entirely.

Invest AI uses industry-standard security practices: TLS encryption in transit, encrypted data at rest, multi-factor authentication, and regular security reviews. We never share or sell your personal data. See our Security page for full details.

Invest AI's advisory services are provided by a registered investment adviser. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Please see our Form ADV and legal disclosures for complete details.

Yes. You can reach our support team by email at support@investai.fund. Ada, our AI assistant, is available 24/7 for common questions and account inquiries. For complex issues, a human team member will follow up, typically within one business day.