Credicorp Capital Invest

¿What is CC Invest?

Digital platform that gives access to a 100% online investment account in the United States from where we take care of managing profiled global portfolios.

¿Why you Should Invest?

Management, Fiscal Efficiency and Liquidity

Its portfolios are designed and managed by Credicorp Capital, one of the largest asset management firms in the Andean region.
To achieve the greatest tax efficiency, portfolios are built with UCITS ETFs that accumulate earnings.
UCITS ETFs are registered in Europe, which provides certain tax benefits for non-US investors.
The investor can withdraw his money whenever he wants without any type of restriction or cost.

Although almost all of us agree that investing globally is the best long-term strategy, almost 60% of Latin Americans have more than two-thirds of their savings in "Cash". We propose a diversified strategy.

History confirms that the different assets present variable behavior at all times. There is no asset that always offers the best return.

Investment Philosophy

Diversification both geographically and across asset types is key, as there is no asset that consistently outperforms the rest.

¿Why diversify?

Throughout history, both in the academic world and in the financial industry, it has been confirmed that the correct selection of the type of assets is the most important factor in the performance of a portfolio.

Key determinants of portfolio performance

In previous years, sophisticated investment solutions were only offered at the institutional level; however, currently, the solutions are available to the general public.

Globally, investors are moving away from financial products that offer limited investment opportunities and toward a global portfolio model.

Today, anyone who wishes to invest has access to the globally diversified portfolio solution.

Portfolio Models

The Portfolio Models are designed by Credicorp Capital.
The objective of this Portfolio Model is to offer results for the investor with efficiency, transparency and profitability.
The UCITS ETFs that have been selected are part of a Portfolio Model designed to meet specific objectives such as global diversification, tactical investing and tax efficiency.
The platform guides each investor on how to invest and which are the most appropriate instruments for their profile.
The asset selection process is mainly based on market exposure, tax efficiency and cost of the instrument; analyzing more than 300 UCITS ETFs.m

Process for the construction of Credicorp Capital portfolios

¿How do we invest?

Strategic alliances

FAQ

Is the money in my account protected?

The funds in your account are held under your name at Interactive Brokers, LLC to FINRA, Registered broker dealer, (www.finra.org) and regulated by the Security Exchange Commission (SEC). The Securities Investor Protection Corporation (SIPC) insures your account at Interactive Brokers against potential fraud. For more information on SIPC insurance, please visit www.sipc.org.

Can my account lose value?

All investments carry some type of risk. The securities you hold in your account are subject to market volatility and risk. If the markets go up, most probably your account value will go up as well. When markets are down, your account can lose money. While over short period of time fluctuations are part of the markets, historically over the long term your investments will likely increase.

Can I withdraw money from my account whenever I want?

Yes, you can withdraw your funds whenever you want. Typically, it takes 5 business days to have your funds available.

What is the Investment Philosophy?

Our investment philosophy is based on two fundamental principles. Modern portfolio theory and the correct allocation according to risk tolerance.

Modern portfolio theory: it is an investment theory that studies how to maximize return and minimize risk, through an appropriate choice of the components of a security portfolio. Originated by Harry Markowitz. It proposes that the investor should approach the portfolio as a whole, studying the overall risk and return characteristics, instead of choosing individual securities based on the expected return of each particular security. Portfolios are customized and designed to fit the level of client risk while being globally diversified. Only UCITS ETFs are used, which provide excellent diversification and liquidity at minimal management cost, as well as significant tax benefits for non-US investors.

How can I fund my account?

You can fund your account with a wire transfer or with a check in dollars. Once your account has been opened, we will provide you with funding instructions.

Can I change my portfolio?

Yes. Once you opened your account you can change your portfolio from your dashboard.

How is my money is Invested?

Your money is invested according to a profile proposed based on your responses at the time of account opening. But then you can change that investment profile for another one at no cost.

If the money enters in the morning during the same day it is invested, if it enters in the afternoon the next day the asset purchases are made.

What are the deposit and withdrawals fees?

Interactive Brokers doesn’t charge any fees for deposits made in the accounts. For withdrawals, the first one in the month is free and then there is fee of $10 per each withdrawal.

What are the fees?

Annual fees are calculated based on managed assets as follows:

For the first USD 300,000 up to 1.5% per year

Then from USD 300,001 to USD 1 million up to 1.25% per year

And then, from USD 1,000,001 onwards, up to 1% per year

How are management fees calculated?

Fee calculations vary depending on the type of account the client maintains with Interactive Brokers.

A. For clients with cash accounts, the advisory fee ranging from 1.00% to 1.50% per annum is automatically calculated by Interactive Brokers and is based on a percentage of assets under management. This global fee includes securities transaction, sub-advice, brokerage and custodial fees incurred as part of the overall management of your account. The commission will be billed monthly, at the end of each month, based on a percentage of the value (market value or fair market value in the absence of market value) of the average daily assets held in the client's account during each month. calendar. Market value is determined by Interactive Brokers. When the services provided are for less than one calendar month, the commissions will be prorated and the client must pay the outstanding daily aggregate commissions for the period between the day immediately following the last day of the last calendar month for which the client has paid, until the effective date of such withdrawal or termination, as of such effective date. Pursuant to a signed agreement, Clients must generally authorize the Advisor (ie Credicorp Capital Invest) and/or sub-adviser (ie BCP Global) to instruct Interactive Brokers to charge all advisory fees directly to the account and pay such advisory fees to the sub-advisor. Monthly charges for advisory fees will appear on clients' statements. The advisory commissions will be paid, first of all, with the free credit balances. The calculation is made daily based on the ending market value ("EMV") of the assets managed by the Adviser in the previous month. To perform the daily calculation, Interactive Brokers applies the EMV stepped annual rate and then divides it by 252 business days in the year. The commission charged is the sum of the daily commission calculations at the end of the month.

B. For clients with margin accounts, the advisory fee is manually calculated by BCP Global. The advisory fee calculation is based on the average market value ("AMV") of the assets in the account on the first and last day of the previous month. To determine the fee to apply to the AMV, the annual tiered fee is divided by 252 business days and then multiplied by the number of business days in the month. The resulting commission is applied to the AMV to determine the commission charged for the month.

Commissions will generally be charged by Interactive Brokers and will appear on the client's account statements. Commissions will be paid, firstly, from the client's positive account balance, if any, in the account, and secondly, from the liquidation of the client's position.

What is a UCIT ETF?

UCITS ETFs are European registered financial instruments that typically track an index, usually stocks, bonds or other assets. UCITS ETFs are publicly listed and trade like stocks. UCITS ETFs provide excellent diversification, ample liquidity and are tax efficient.