Finhabits Help Center
What return can I expect from a Finhabits portfolio?

Our conservative portfolios (for short-term goals like a dream vacation) have an expected return of 2-3% per year over a 3 year period*. Our more aggressive portfolios (for longer-term goals like a college fund or a retirement account) have an expected return of 6-8% per year over a 6 year or more period*.

It's important to understand that there are variables that we cannot control. For example, the time frame of your goal and market performance.

Ultimately, what you need to know is that no investing service can guarantee a rate of return (and if someone promises you that, run away!). The key is to make investing a habit. Adding money regularly to your account, even if it's a small amount, will help you reduce risk, and get a better deal in the market.

Is it safe to invest my money with Finhabits?

Safety is very important to us. We take multiple measures to protect your money and personal information.

1. Bank-level security including a 256-Bit SSL encrypted connection on our site. This protects all information transmitted between your computer and our servers, such as your password, personal and account details.

2. We've partnered with Apex Clearing Corporation to perform as the custodian of your account. Apex is a member of the Securities Investor Protection Corporation (SIPC). The SIPC is an insurance program offers certain protection in case of financial failure. As a member of SIPC, funds are available to meet certain customer claims up to a ceiling of $500,000, including a maximum of $250,000 for cash claims. Learn more at

3. Finhabits is registered with the Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. The SEC is a U.S. government agency that oversees securities transactions, activities of financial professionals and mutual fund trading to prevent fraud and intentional deception.

Can my investment account make me lose money?

All investments fluctuate depending on the market. Therefore, it is normal to see short-term fluctuations (up and down) in your Finhabits account. What you need to understand is that historical performance shows that investments are likely to grow over long periods of time. We didn't make that up. It's just how the math works!

It's important not to overreact and pull your money out when you see your account go down. The ups and downs are completely normal. Keep your investment active so that it has enough time to grow.

Are there any other fees besides your management fee?

Finhabits provides a wrap-fee for services that include most costs associated with your investment or retirement account (unlimited deposits, withdrawals, trading, rebalancing and dividend reinvestments).

We invest your money in low-cost, exchange-traded funds at companies such as Vanguard, BlackRock and Goldman Sachs. In addition to the Finhabits fee, these funds will also charge you an average fee of 0.12% per year. This fund fee is charged at the fund level, not out of your Finhabits account.

You may also incur other miscellaneous fees that are not part of the normal services, like physical copies of your statements mailed to you. You can find full details of our services and fees in the Finhabits Program Agreement.

What do I need to subscribe to Finhabits?

A Finhabits subscription does not require you to open an investment account. You only need a debit or a credit card to start your subscription. To start investing with your Finhabits subscription, you will need to fund an investment goal. To fund an investment goal you will need an email, phone number, a social security number or an individual tax identification number (ITIN), a permanent U.S. residential address and a valid U.S. bank account.

What does investing with Finhabits really mean?

Investing with Finhabits means participating in the stock and bond markets. That includes buying a small piece of a large company and lending money to governments. As Finhabits investments grow, they pay interest to the investors. (Some people also call earned interest a dividend).


The bigger the sum invested, the more interest is earned. As your money grows thanks to interest, your invested sum gets bigger. Over time, there's a snowball effect called compound interest. That basically means that you're making money on your money. Naturally, companies have ups and downs, so there is some risk involved. But Finhabits uses diversification of investments to minimize that risk.


Our service will guide you to make the right investments depending on your profile, preferences and goals. So we'll ask you some questions before making a recommendation. We believe that the trick to reaching you financial goals is getting into the habit of investing.


So, whether you’re planning for a dream vacation, a new house, your kid’s college, or your retirement, we want to help you get there.

How do Finhabits investments work?

The first step to opening an account is selecting a goal. It's that simple!


Then, we'll ask you some questions. Most of them are necessary to create your recommended portfolio. Other questions get a bit more serious, and we're required to ask them in order to verify your identity and for tax purposes. If you are worried about security, you should know that we always keep all your data safe using bank-level encryption.


Lastly, you'll need to connect a bank account to deposit funds into your new Finhabits account. Once the account starts receiving funds, we'll take it from there. Oh, and we rebalance and reinvest your dividends automatically, so you can just sit back and relax.

What is the difference between Finhabits and other similar services?

We are a financial firm that believes technology can simplify the way people invest or save for retirement. While we offer personalized investments, we skipped physical branches in order to communicate with our customers in more convenient ways. This allows us to offer you a more efficient service at better prices than that of other firms.

How do I close my account?

Please send an email to and mention that you would like to close your account. Please note that before your account is closed we will sell all the investments in your portfolio and return all cash to your linked bank account. This process takes between 4-6 business days.

What if I need to withdraw to a different bank account?

If you wish to withdraw funds to a different bank account than the one you originally deposited them from, Finhabits will require additional information. This is done as a fraud prevention procedure.If the original bank account is closed or you are unable to access it, our support team can help initiate a withdrawal to another bank account for you. Please be aware that we will need the following information from the client:

A photo of the front and back of your government-issued ID.

A photo of your social security card.

Bank statements showing that you are the account holder of the two bank accounts. Photos or PDFs must be clear and easy-to-read (total of 2 documents). If the following information is not provided, the client must wait 120 days from the date the deposit was completed to receive the funds.