Finvest

We have exciting news! At Finvest, we believe in rewarding customers who champion us. Introducing our referral program, designed to maximize your earnings while sharing the benefits of Finvest with your friends and family. For each friend who signs up and invests in a Treasury Bill, you'll both receive a 1.2% APY referral boost for 3 months. With our current treasury investment offering at 5.3%* APY, your referral boost pushes your total yield to an industry-leading 6.5% APY. The best part? You can refer up to 4 friends and earn the bonus for the next 12 months. Don't miss out. Start referring your friends today and lock in a industry-leading yield. 💸 * Current treasury investment yield shows annual interest as of 05/20/2024 on a 3-month US Treasury Bill. Yields fluctuate and do not forecast future earnings. Refer to the full promotional terms at getfinvest.com/referral.

I'm constantly amazed by the incredible design and frontend tools we have available today. They allow anyone to be creative and build stunning products. At Finvest, we have a pretty high bar on product design and are not happy shipping half-baked products. But the general advice to early-stage startups is to ship fast instead of spending time crafting the perfect product from day one. These design tools allow you to not compromise on quality anymore. Here's our current stack: Canva: Design ads, logos, banners - basically any image artifact. Figma: Our go-to for editing stock images to match brand identity Webflow: Create beautiful websites without writing any CSS or Javascript Vercel: Easy deployment Flutter: Cross-platform mobile app development However, we are still missing a tool which can help us create engaging short product videos like this one from Apple: https://lnkd.in/g6pqx-BP. Any recommendations?

Thank you Jay Fairbrother for sharing your insights on why T-Bills are a great investment and how Finvest makes it super easy to buy, sell and manage your Treasury holdings! #investing #tbills

A lot of people ask me why they should invest in bonds given that the stock market is reaching new highs every day. It definitely feels like a lucrative market to make huge profits. But there's a catch. I want to share my personal journey with you to give you an idea of what I am talking about. My investing journey started in college, right after my internship at Google. I suddenly had some disposable income and Robinhood was all the hype. I was eager to start investing to make a quick buck. I remember my dad’s advice - invest for the long term and always keep emergency funds aside. However, completely ignoring it (like most of us do before we know better), I started putting my money into the latest trends in the stock market. At first, it was exciting as I saw my investments grow quickly. I believed I had a knack for selecting winners and timing the market (looking back - I know how truly foolish this was). Once the pandemic hit and market took a nosedive, I learned the hard way the importance of safe investment practices and the value of diversifying. Since then, I've have adopted several strategies that have helped me become a more responsible investor: 1. Always invest with a long-term horizon: None of my investments in the stock market are targeted for short term gains. I plan to hold them for at least 3-5 years. This approach not only reduces stress but also offers the added benefit of lower taxes on long-term capital gains. Modern investing platforms do not want you to adopt such strategies because they thrive by making money on frequent trading. 2. Utilize the power of compounding and dollar-cost averaging: Rather than trying to time the market, I now invest a fixed amount regularly. This helps to smooth out the impact of market volatility and reduces the risk of investing a large sum at the wrong time. 3. Diversifying my portfolio: Like they say - don’t put all your eggs in one basket. My portfolio now includes both equity and bond investments. While investing in bonds may seem boring, it is one of the strongest tools to protect your money. Bonds provide steady returns and help limit losses during harsh market conditions. To put this into perspective, the stock market experienced a 37% decline during the 2008 financial crisis, while the bond market saw a mere 4% decline. I know that you fear missing out by not betting everything on the stock market today. I've been there, and I understand the temptation to go all-in on stocks, especially when it seems like everyone around you is making fast money. But what goes up must come down. The stock market is cyclical, and no bull run lasts forever. When I first started investing, I was lured by the promise of quick gains and the excitement of watching my investments grow daily. I thought I had it all figured out, but I was wrong. That’s why we are building Finvest. We're starting by making it easy for you to include bonds in your portfolio and it’s just the beginning. 🌱 #investing

As highlighted in the post by Peter Nunes, Warren Buffet’s firm Berkshire Hathaway is holding onto its largest cash reserve. But did you know that the majority of that cash is held in US Treasury Bills? A staggering $130+ Billion 🤯 Even though the public equity market is reaching an all-time high, there are significant concerns of a looming recession. Similar to Buffet’s strategy, it is advisable to position your portfolio to both participate in the stock market while simultaneously targeting downside protection with US Treasury. Get started on your Treasury journey with Finvest today! #personalfinance

Thanks Simon Taylor for mentioning Finvest in your latest blog piece. Simon describes Finvest as "probably the easiest and most direct way for consumers to buy T-bills," and we couldn't agree more. Our platform is designed for every investor. Try it out today! 📈 He also mentions "if they can expand from their wedge, it might be a solid hook". We have a grand vision to bring both banking and investment to the 21st century. Come work with us! Read the whole piece with other top-notch content on fintech news at sytaylor.substack.com. #fintech #ustreasury

While we're always looking for ways to maximize the returns on our investments, we are also worrying when we see the daily ups and downs in the market. However we don’t do anything about it. A popular investment strategy that is used by seasoned investors is the 60/40 rule. It involves investing 60% of your portfolio in stocks and 40% in bonds such as US Treasury Bills to manage risk while also pursuing growth. Most of us don’t use this strategy due to a lack of knowledge and friction involved in bond investment. So how does this strategy work and how can you get started? - Risk and Return Balance: Stocks offer higher potential returns but also come with higher volatility and risk. Bonds, on the other hand, typically provide lower returns but with less risk and more stability. By combining these two asset classes in a 60/40 split, you can strike a balance that offers solid returns while minimizing risk. - Diversification: This approach mitigates investment risk by spreading assets across different classes. When the stock market is down, bonds often perform better, protecting the portfolio against significant losses. Similarly, when the stock market is up, the equity component helps with portfolio growth. - Rebalancing: In response to market movement, you need to rebalance your portfolio regularly to maintain the 60/40 allocation. This can also help you buy low and sell high over time. However, 60/40 is not a hard and fast rule. It is a foundation practice and you can adjust the exact proportion of the mix based on your risk appetite and financial goals. Looking to dive into bonds as part of your 60/40 strategy? At Finvest, we make it super simple to get started by helping you invest into one of the safest asset classes, US Treasury Bills. You can download the app from the app store and get going in under 5 minutes.

Ran into a YC founder and he mentioned that he was looking to put his savings into CDs. Took me a few minutes to tell him about US Treasuries and explain how it’s a better choice altogether. It doesn’t surprise me when I hear that people don’t know about Treasuries and how they can be a better investment compared to many alternatives. Heck I was in the same boat literally a year back. But to demystify this, here is why you should put money into Treasuries instead of CDs: - Higher Yield: Treasury bills offer a higher interest rate compared to CDs offered by your bank. Banks are keeping a cut on what should be your earnings. - Greater Liquidity: Unlike CDs where you have to pay a penalty for early withdrawal, you can sell Treasury at any time without any penalty. You still earn interest for the period you hold. - Tax Benefits: This is where it even gets better. Unlike CDs, Interest earned on Treasuries are exempt from any state and local taxes, which can make a huge difference, especially in high tax states like New York and California. It is absolutely a no-brainer to choose US Treasuries over CDs. Download Finvest and get stated on this insane financial hack today! #investing #personalfinance #ustreasury

With rising interest rates, the last 2 years have been difficult for many fintechs, except for banks. If you cover the earnings reports for banks, you will see a trend of soaring profits. That's because banks make money off our savings. Here is how it works. For example, Chase only gives us 0.01% on our savings account. Due to the fractional reserve banking system, Chase can lend out a portion of these deposits. With Treasury Bills setting the "risk-free rate" benchmark (currently yielding 5%), banks can afford to lend at rates exceeding this, often charging borrowers 6% to 7%. But the strategy doesn't stop there. Banks also allocate a portion of their deposits into Treasury Bills themselves, earning a solid return. However, the interest earned from these investments and loans far exceeds the interest paid out to us. So effectively, Chase gives us 0.01% but leverages our money to make over 6% - 7%. That's why bank profits are soaring. This is precisely why we started Finvest. We believe our hard-earned money should work for us, and not make banks rich. That's the advantage of investing in Treasury Bills through Finvest. Not only do they offer returns over 5%, but they are also among the safest and most liquid asset classes available.

A mind-blowing stat shared by Gokul Rajaram: US Treasury Bills have consistently either outperformed or matched the returns on majority of stocks in the financial market. Picking individual stocks is just too damn hard. To put this into perspective, just 86 stocks have been responsible for creating $16 trillion in wealth, accounting for half of the stock market's total wealth creation over the past 90 years. That's why most finance experts suggest pursuing a diversification strategy. We started Finvest because we realized it's hard to beat the stock market. Currently yielding an all-time high interest rate, Treasury Bills are considered to be one of the safest asset classes. In addition to your stock portfolio, investing in Treasury Bills can be a great diversification strategy, protecting you against market volatility.