Personal Investment Account
Easy & Automated Investing
  • Low cost ETF investments.
  • Diversified portfolio.
  • Automatic rebalancing.
  • SSN or ITIN accepted.
What goal are you
investing for?

You don’t need to be an expert to invest your money successfully. Finhabits does that for you.

Visualize your potential earnings here
Invest on your own terms.
Start with $20, $50, 100 per week.

*Image for illustrative purposes only. The expected returns shown above are calculated using a 6% annual gain compounded weekly inclusive of the Finhabits advisory fee of $3 a month per $7,500 of account balance. The final amount illustrates the result of three different weekly recurring contributions after 30 years. The performance is hypothetical and does not represent actual performance. Actual performance may vary. All securities involve risk and may result in loss.

Security is
We manage your data with the same care as a bank.

There’s nothing more important to us than keeping your money and personal information safe and sound.

Finhabits is an SEC-registered investment advisor. With Finhabits, you can count on bank-level security that includes a 265-bit SSL-encrypted connection on our site.

And you can rest easy, since your money is held in accounts insured up to $500,000 by SIPC.

Expert investment portfolios
Our team has over 20 years of experience in asset management.

Finhabits uses exchange-traded funds (ETFs) that are listed on the New York Stock Exchange. These ETFs include hundreds of companies like Tesla, Amazon, and Disney.

Finhabits diversifies your portfolio investing in ETFs that include:

  • U.S. stocks
  • International stocks
  • Government bonds
  • Corporate bonds
How much does Finhabits cost?

Our Platform Subscription fee is $10 per month.

If your investment account balances go over $12,000, you automatically switch to an annual Asset Management fee of 1.0%.

​We invest your money in low-cost index funds managed by BlackRock, Vanguard, and Goldman Sachs. These funds incur on average a fee of 0.12% per year, which is charged in addition to the fee you pay Finhabits. Additional custodian charges that are not part of the normal service may also be incurred. Please review our ADV Part 2 for more details.
How can you start investing?


Download the
Finhabits app
You can get started in Spanish or English. Our service is 100% bilingual.


Register with your
Select an investment portfolio: Conservative, Aggressive, or Recommended.


Schedule your
Finhabits lets you connect your bank account to your Finhabits account within seconds.
Download Finhabits

You don’t need to be an expert to invest your money successfully. Finhabits does it for you.

Our services include:
More than 80,000 people have already invested with Finhabits!
Our services include:
Three types of investment portfolios built to meet your financial goals — saving for an emergency, saving for retirement, or growing your wealth.
Finhabits lets you schedule weekly, biweekly, or monthly deposits. You can start with $10, $100, or $1,000. You decide!
All the dividends you earn are reinvested to purchase more shares. This helps accelerate the power of long-term compounding in your investments.
Finhabits rebalances your portfolio regularly to ensure an appropriate asset mix for your investments.
Educational videos
and podcasts
Learning about money and financial habits can be difficult. That’s why the Finhabits app includes educational videos and podcasts about building good financial habits.
Bilingual App
& Support
The Finhabits app and customer support is available in both English and Spanish.
Frequently asked questions
How does Finhabits invest my money?

Finhabits invests in exchange-traded funds (ETFs) that are listed on the New York Stock Exchange. Our expert portfolios include up to 6 types of ETFs, which can include a mix of U.S. and international stocks, government and corporate bonds, and real estate investment trusts (REITs).

This video can explain more:

What is an ETF?

An exchange-traded fund is a diversified collection of assets that allows you to invest in the stock market at a very low cost and therefore, with a better chance of return. You could compare ETFs to a basket of stocks, with each ETF investing in dozens of companies like Amazon, Meta, and Disney, all at the same time. The ETFs we include in our investment portfolios were analyzed and selected by experts with more than 20 years of experience.

Can I withdraw my money whenever I need it?

Yes. Investing with Finhabits means that your money has no lock-ups. You can log in to our app or website to withdraw a portion or all your money whenever you need it. Please note that it take up to 5 business days to process a withdrawal. Please remember that investing should be a long-term strategy. Experts recommend keeping your money invested for a minimum of 3 to 5 years.

Can I invest if I have an ITIN?

Yes. Finhabits accepts the ITIN (Individual Taxpayer Identification Number) when opening a personal investment or IRA account.

Is Finhabits a real company?

Yes. Finhabits is a company registered* with the Securities and Exchange Commission (SEC), the regulatory agency for investment services throughout the U.S. and Puerto Rico.

*Registration does not imply a certain level of skill or training.

If you’ve scrolled this far, it’s because you care about your future

Invest your money with a real strategy
Take the first step today. ¡Sin compromisos!