Make Money The RIGHT Way (2019)

Swell Investing Review

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“Robo-advisors” are all the rage for investors in 2018 – 2019.

But which one is best for you?

There is Wealthsimple that allows you to invest as much, or as little, as you want.

There is M1 Finance with no management or trading fees. (Yup, FREE)

And don’t forget Acorns, Stash, and the myriad of other options thrown at you.

All of these options can be somewhat overwhelming.

But, if you are waiting for me to tell you which one to choose…

…it ain’t gonna happen!

That is for YOU to decide

Since no two robo-advisors are created equal, you need to educate yourself on at least a few options.

But instead of scouring the World Wide Web…

…you are in luck because class is in session!

We have spent hours analyzing and reviewing numerous robo-advisors for you.

But to save you the trouble of reading an article that does not suit you…

…please, take a moment to answer the questionnaire below:

  1. Do you want to make money while doing nothing?

  2. Do you care about our planet?

  3. Do you hate Ebola, Mad Cow Disease, and the Bird Flu?

  4. Do you enjoy some high-quality H2O, on occasion?

  5. Do you like to shame your morally-inferior friends and family?

All done? Good because that was a TEST cleverly disguised a questionnaire.

Give yourself 1-point for each question in which you answered “Yes.”

And here is what your score means:

  1. 3, 4, or 5: This may be the robo-advisor for you!

  2. 2 or below: You can stop reading now.

Today we are going to look at a robo-advisor called Swell Investing that specialized in impact investing.

But what is impact investing, anyway?

Impact Investing

To understand the investment platform that we are covering, you need to understand impact investing.

We have heard it all before…

…you need to invest for a prosperous future.

But what about the future of our planet and fellow humans?! Impact investing addresses this concern.

Impact investing can also be called ‘sustainable investing’ or ‘socially-responsible investing.’

Call it what you want, but this investing gives you the power to create critical social changes.

Investors that seek to make such change do so by investing in companies that set a higher standard for environmental and social actions.

The best part is…

…you do not need to choose between money and creating change.

You can do both!

You can earn substantial returns on your investments and benefit people around the world.

That is precisely what Swell Investing can help you accomplish.

Swell Investing Overview

The company began with ONE simple question:

“How can we create a better investment option for people who care about where their money goes and what it supports?”

Does that sound Swell to you?

Swell Investing is an SEC-registered investment advisor created by Pacific Life.

These guys (and gals) are a small robo-advisor with just over $25 million under management.

So, if you are anything like me…

…you want to make a positive impact and make money.

The key word is “AND” in that sentence.

Because investing in something positive should not come at the expense of your wealth.

Swell Homepage

Swell creates themed portfolios of individual stocks.

The companies that make up each portfolio come from socially responsible industries.

If you are interested in investing in socially responsible securities, that is Swell’s specialty.

Currently, Swell provides its clients with six investment themes:

  1. Green Tech

  2. Renewable Energy

  3. Zero Waste

  4. Clean Water

  5. Healthy Living

  6. Disease Eradication

Swell can put your money to work in ways that can benefit millions of people.

But you will never fulfill your goals giving your life-savings to charity.

So, without further ado…

…does it make financial sense to invest with Swell?

That is what you are about to discover!

How Swell Works

If you have seen one robo-advisors, you have seen them all, right?

Not exactly.

This section aims to focus on how Swell differentiates itself from other robo-advisors.

Swell allows its users to choose from pre-packaged portfolios that are managed by the company.

Users have the freedom to choose which portfolios to invest in and to decide the asset allocation in each.

Each portfolio contains between 40 and 70 individual stocks, and users can choose to swap-out up to three securities at their discretion.

Impact investing is nothing new…

…but the way Swell helps investors find the best stocks and invest at the lowest cost is new.

The platform locates innovative companies that fit the impact investing mold and uses them to fill each portfolio.

Swell app

Sign-Up for Swell

The sign-up process for Swell is easy, straightforward, and shorter compared to other robo-advisors.

You must be a U.S. citizen or resident alien and at least 18 years of age.

Select Go to Site, then click Sign Up.

Swell Signup

Create your username by entering your e-mail and make a password.

Just enter your identifying information (e.g., name, date of birth, employment status) and answer a few questions.

These questions cover information like:

  1. Your current assets

  2. Your desired timeline

  3. Your risk tolerance

Fund Your Swell Account

Once the sign-up process is complete, you will link your checking or savings account (accepts most banks) to the brokerage account and start investing!

Swell will invest your funds as soon as they hit your account.

And, you can also set-up recurring deposits to automate the savings process.

The entire process from set-up to funding your account takes about 20 minutes to complete.

Once you have successfully signed-up, it is time to choose your portfolio!

Swell Portfolios

Since Swell is going to be managing your money…

…wouldn’t you like to know how the company chooses its investments?

The company uses a rule-based approach to optimize impact and performance.

Here is the three-step process that goes into creating a Swell portfolio:

  1. Swell screens each company for their commitment to positive impact.

  2. Swell researches each company to see how they derive revenue.

  3. Swell analyzes each company’s financial health, stock valuation, and liquidity.

With this process, you are getting stocks that make an impact socially and financially.

You can invest in one of Swell’s socially responsible portfolios for as little as $50.

This low-investment threshold is impressive for SRI as it used to cost investors serious cash up-front just to get started.

There are six portfolios to choose from, each with a different mission.

Each Swell portfolio is composed of 40 to 60 stocks from companies that align with each category.

You can choose individual taxable accounts and Traditional, Roth, and SEP IRAs.

Swell portfolios