How does scalable capital work?

After creating your portfolio, you can set up automatic investments to regularly add money to your account and gradually increase your exposure to investments.

5. 24/7 access to the dashboard

You have 24/7 access to the Scalable Capital dashboard where you can monitor the performance of your portfolio, view fees, and make any changes to your investment profile.

In summary, the investment process with Scalable Capital is easy to follow and offers a fully automated wealth management solution. With investor profiling and personalized portfolio creation, you can achieve a suitable return for your risk level without dedicating much time to managing your investments.

Selection of financial instruments

Scalable Capital uses a combination of financial instruments to build a customized portfolio for each client. These instruments are chosen based on the client's investment needs and objectives.

ETFs (Exchange Traded Funds)

ETFs are exchange-traded funds that replicate the performance of a specific stock market index or sector. Scalable Capital uses low-cost ETFs to diversify clients' portfolios across different asset classes such as stocks, bonds, and commodities.

Mutual Funds

Mutual funds are managed by industry professionals who buy and sell securities on behalf of their investors. Scalable Capital selects mutual funds based on their historical performance and risk level. They are mainly used for specific exposures, such as in emerging markets or socially responsible companies.

Bonds

Bonds are debt securities issued by governments or companies that offer a fixed or variable interest rate. Scalable Capital uses bonds to provide stability to clients' portfolios and reduce overall investment risk.

• Government bonds: These debt securities are issued by governments and are considered among the safest investments. Scalable Capital selects government bonds based on the solvency of the issuing country.
• Corporate bonds: These debt securities are issued by companies and offer a higher interest rate than government bonds. However, their level of risk is also higher. Scalable Capital selects corporate bonds based on the financial strength of the issuing company.

The combination of these financial instruments allows Scalable Capital to create diversified and personalized portfolios for each client that reflect their investment needs and objectives.

Scalable Capital's costs and fees

Scalable Capital offers a transparent and competitive cost structure compared to other investment platforms. Below are the details of the main fees:

Annual management fee

The annual management fee is 0.75% of the portfolio value. For example, if your portfolio has a value of €10,000, you will pay €75 per year in fees.

Average commission of underlying funds

The ETFs used by Scalable Capital have an average commission of 0.25%. This commission is deducted directly from the ETF's performance and is not charged separately.

Transaction fee

The fees for buying and selling ETFs depend on the market on which they are traded. For example, for ETFs traded on the Italian Stock Exchange, the commission is 0.19% with a minimum of €7.50.

Premium service

Scalable Capital also offers a premium service called "Black". With this service, users can access additional features such as access to exclusive private funds and priority telephone support. The fee for this service is 0.99% of the portfolio value.

Deposit and withdrawal fees

Scalable Capital does not charge fees for deposits or withdrawals. However, your bank or financial intermediary may charge fees for bank transactions.

• Annual management fee: 0.75% of portfolio value
• Average commission of underlying funds: 0.25%
• Transaction fee: depends on the market (example: 0.19% with a minimum of €7.50 on the Italian Stock Exchange)
• Premium service "Black": 0.99% of portfolio value
• Deposit and withdrawal fees: Scalable Capital does not charge fees

In general, Scalable Capital offers a transparent and competitive fee structure compared to other investment platforms. However, it is important to carefully evaluate the fees and compare them with those of other platforms before making an investment decision.

The safety of invested funds

One of the most important aspects to consider when choosing an investment service is the safety of your funds. In this sense, Scalable Capital offers several guarantees to protect its clients.

Regulated company

Scalable Capital is a regulated company by the Financial Conduct Authority (FCA) of the United Kingdom and the Federal Financial Market Supervisory Authority (FINMA) of Switzerland. This means that it must comply with rigorous standards of compliance and transparency.

Separate custody of funds

Investors' funds are held separately from the company's assets at partner banks such as Baader Bank or Barclays. This means that in case of insolvency of the company, investors' funds would be protected and recoverable.

Investor Compensation Fund protection

In addition, Scalable Capital adheres to the Investor Compensation Fund (FSCS) of the United Kingdom. This fund insures investments up to a maximum of £85,000 in case the company were to fail or be unable to return funds to its clients.

Cybersecurity

Finally, Scalable Capital uses cutting-edge technologies to ensure the security of online transactions and users' personal data. The company uses SSL encryption to protect sensitive information and offers two-factor authentication to access investors' accounts.

In summary, Scalable Capital offers several guarantees to protect its clients' funds. The company is regulated by reputable supervisory authorities, the funds are held separately, and investments are insured by the Investor Compensation Fund. Additionally, cybersecurity is an absolute priority for the company.

Conclusion

Scalable Capital is an investment service that stands out for its attention to the security of clients' funds. Thanks to the guarantees offered by the company, investors can feel confident entrusting their money to this service. Furthermore, cybersecurity is another strength of Scalable Capital, which uses cutting-edge technologies to protect users' data.