Get your
investing eggs

The key to investing is diversification.

Investing in stocks is one of
the most popular investment methods.
However, stocks are
only one part of many investments.
BPOINT PTE. builds long-term
wealth through optimal diversification.

Automation, that is the key word for building assets efficiently.

Portfolio balancing, automatic diversification of deposits, and tax-saving support. You don't have to spend time on these things - we can do it for you.

Let your taxes pay you for a change.


average boost to your
after-tax returns from
Tax-Loss Harvesting.

Tax-Loss Harvesting is a complicated sounding name for a really valuable feature. By making small exchanges on investments that lose money, it lets you lower your overall tax bill and put the savings right back to work building your long-term wealth. In fact, it can boost our clients’ after-tax returns by an average of 1.8%.

Our fee is small,
but we think it’s a really big deal.

Investments tailored to your needs.

Invest for retirement.

Traditional IRA, Roth IRA, SEP IRA

Investments for hobbies.

529 College Savings

Invest for anything else.

Individual Accounts, Joint Accounts, Trust Accounts

It's Never Too Late to Invest.

Individual Accounts, Joint Accounts, Trust Accounts

There’s more to investing than retirement.

Retirement Accounts are where many people start investing, but it shouldn’t be where you stop. A taxable Investment Account can help you do much much (much) more with your investments — and you don’t have to wait until you’re 65.

Tax-Loss Harvesting which adds an average 1.8% to clients' after-tax returns
No limit to your annual contributions
Access your money at any time

Don’t wait 30 years for answers to your retirement questions.

Still deciding if we’re right for you? These frequently asked questions may help.

This sounds complicated. I bet this is complicated, right?

What we do is complicated. What you do is really, really not. Just answer a few questions, and we’ll build an investment portfolio with your name on it. Then, as soon as your money arrives, we invest it just like we said we would. Bada bing, etc.

But like, how customized is “customized”?

Really really customized. We have literally hundreds of funds to choose from that cover everything from clean energy to cannabis to crypto. And that’s just the things that start with the letter C. Explore the complete list of funds here.

Wait, so I can buy crypto coins in my retirement account?

Technically, you’re getting “exposure” to crypto through wh\\at’s called a crypto trust, not owning the actual coins yourself. The same way some ETFs contain stocks, some trusts contain crypto. BPOINT offers crypto exposure to Bitcoin and Ethereum through two of these trusts. And, because we consider crypto to be especially risky, we limit your crypto exposure to 10% of your total portfolio.

I’ve got a 401(k). Can I roll it over? Also, what’s a Rollover?

Let’s start at the end and work back. A Rollover IRA is the term for taking all the funds in one retirement account and, well, rolling them into a new one. And we’d love for you to bring any and all your retirement accounts to us — you can either keep them separate or combine them all in one.

I bet this is really expensive.

That’s not a question, but actually no. The weighted average annual expense ratio of the funds in a Recommended BPOINT portfolio is between 0.05–0.29%. For comparison, the average expense ratio of target date retirement funds is 0.37%, so we’re actually kind of a bargain. We also charge a 0.25% management fee, though most human investors charge 4x that much here.

This is amazing! I’m going to put a ton of money in this account.

Hold your horses, there. Because retirement accounts have certain tax advantages, there are also limits to how much you can contribute in a given year. And, to make it even more complicated, that can be impacted by a number of things, like your annual salary, whether you also have an employer-sponsored plan, and the kind of account you have. You can check the IRS page with details about the limits here, and if you’d like to invest more than the limit, you can always open a taxable Investing Account right here.