IskraIndex' Effect (1): reduce costs

If your savings exceed $100,000, you have likely encountered investment products. These typically include various investment funds, structured products, and personal broker services. You might even have been satisfied with their returns. However, most investors are unaware that the bank (broker) earns 2-5% per year on their assets from each such investment product.

In absolute terms, that's over $2,000 per year. Over 6 years, this amounts to almost $14,000, assuming a net return of the investment product of 4% per annum. And the larger your savings, the more you pay to the bank that sold you the investment product.

These costs can be avoided by independently building an investment portfolio in your own brokerage account. Many are deterred by the perception that a portfolio requires at least 10-15 stocks/bonds that need constant monitoring, or being "in the market." IskraIndex offers a service that allows you to build and maintain a portfolio with an exceptional risk-return ratio, consisting of just 3-5 ETFs. You simply follow the chosen IskraIndex model portfolio, and the time spent on maintaining and rebalancing it will be no more than 30 minutes per month. The target return for the conservative portfolio is over 8% per annum, and for the balanced portfolio – over 12%. You can view the historical performance of our portfolios in the "Performance" section of the website.

If you had used the IskraIndex service 6 years ago, with a target return of conservative investment products at 4% per annum, you could have earned twice as much. In absolute terms, for a $100,000 portfolio, you could have earned an additional $26,500, while the cost of the IskraIndex subscription would have been $6,000. A key feature of the IskraIndex service is that its cost is fixed and does not depend on the size of your portfolio. For a $300,000 portfolio, with IskraIndex you could have earned an additional nearly $80,000, while spending on the IskraIndex service the same $6,000. In this case, the cost of building and maintaining the portfolio would amount to 0.3% of its value, or 10 times less than what you would pay an investment bank for a mediocre and riskier portfolio within an investment product.

Moreover, for portfolios in the Deposit+ line, IskraIndex guarantees a refund of 50% of the annual subscription cost if the model portfolio's annual return is lower than the average return of a one-year deposit. We are confident in the fundamental principles behind our portfolio construction, which are based on the Nobel Prize-winning Modern Portfolio Theory by Markowitz, Miller, and Sharpe (more about the Iskra Index methodology).

You can get information about the IskraIndex service methodology and subscription process in any of these ways:

WhatsUp: +77784042574
Email: iskraindex@gmail.com