Do note that if you would like to change your risk score after you have invested, we’ll have to sell/replace your investments from the original portfolio and use the proceeds to purchase ETFs which are part of the new portfolio allocation. This will take up to one business day as we are only able to sell and purchase your investments when the exchange market opens at night. Alternatively, we’ll also trade your investments within our ecosystem to reduce the trading expenses – which allows us to maintain a low management fee.

For example, if both John and Amanda change their risk score, our system will automatically match and trade any of their investments which are compatible. By exchanging the ownership of investments internally, we are able to reduce the expenses which may incur from the purchase and sales of investments.

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