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Robo Advisory

AI Quant based Robo Investing

Auto invest without the stress. Choose between either Basic (default) or Advanced Robo Investing.

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Quick Summary

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Auto invest each month and passively grow your wealth

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Invest lump sums when you want

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Artificial Intelligence and Quant based portfolio design

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From as low at 0.15% per year (~$1.50 per $1,000 invested)

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Portfolios built and managed based on your risk profile

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Choose an ESG (Environmental, Social and Governance) portfolio model if you want

Effortlessly build your long-term investment portfolio with our AI Quant based investment platform

Making frequent low-value investments allows you to manage timing risk (buying when the market is high) and benefit from dollar-cost averaging.

We help you invest your small change automatically, by default and without effort. The Unifimoney unified account drip-feeds funds from your spend into a low-cost, highly-diversified fund depending on your risk tolerance.

Unifimoney uniquely provides 3 levels of advisory via our partner Tenjin AI - Basic, Advanced and Pro.

Low Cost Robo platform from only 0.15% annually

Deposit interest passively invested on monthly basis

Automatically contribute each month as little or as much as you like

Credit Card transaction cashback is automatically invested into your portfolio (when available)

SIPC-Insured

Low Cost Advisor with Auto-Invest

Tenjin AI Basic

Smart ETF portfolios matched to your risk profile with yearly rebalance.

Smart Investing allows you to invest in portfolios that are created by deep analysis of market trends using Advanced Machine learning techniques with the powerful Tenjin AI™ engine. This ensures that your money is invested in a diverse group of curated ETFs that provide you with the right balance of growth and portfolio volatility.

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Our entry level Robo-advisory product with annual rebalance with Tenjin’s proprietary optimization engine

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Portfolio of Smart ETFs with ESG (Environmental, Social and Governance) equivalents

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We charge an annual advisory fee of 0.15% on all assets under management deducted monthly

Tenjin AI Advanced

Smart ETF portfolios matched to risk profile with quarterly rebalance.

Uses  Tenjin AI™, a smart engine that monitors and analyzes your Smart Investing portfolio every quarter and adjusts your allocations based on changes in market trends to rebalance your portfolio back to an optimal state.

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Smart re-balance also uses Tenjin’s proprietary MarketCrash Index to predict market downturns and auto adjust portfolios to maximize returns

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Portfolios of Smart ETFs and ESGs curated to match your risk profile

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Charged at an annual advisory fee of 0.30% on all assets under management deducted monthly

The Unifimoney Robo investment service is provided by Unifimoney RIA, an SEC-registered RIA.  Self Managed trading, Cryptocurrencies and Precious Metals services are offered by Unifimoney Inc.  
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Please see below for important legal and regulatory information.

For more information on Unifimoney RIA please see the Finra Broker Check page here
To view our Form CRS click here
To view our Form ADV part 2 click here

Investments in securities through the Unifimoney Inc. and Unifimoney RIA Inc account are:
Not FDIC Insured | May Lose Value | No Bank Guarantee

Frequently asked questions

How is my Robo investment fund allocated?

What if I want to change my risk profile?

What is Unifimoney Autoinvest?

I can’t see my Autoinvest in my Robo fund balance?

How can I contribute a lump sum into my Robo investment fund?

What is TenjinAI?

What is the difference between TenjinAI Basic and Advanced

What are the costs?

How can I withdraw funds from my Robo fund?

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Privacy PolicyTerms of ServiceUnifimoney RIA Inc. DisclosuresUnifimoney RIA Inc. Form CRSLegal LibraryAccessibility Statement

Unifimoney, Inc. is not a bank. Bank deposit products are provided by UMB Bank N.A., Member FDIC. FDIC insurance up to $750,000 (including principal & interest). To participate in the program, you must open an account at UMB Bank, through which your funds will be placed in accounts at participating program banks.
The Unifimoney Visa Debit Card is issued by UMB Bank pursuant to a license from Visa Inc. and may be used everywhere Visa debit cards are accepted.
Investment advisory services are provided by Unifimoney RIA, Inc., an SEC-registered investment advisor. Unifimoney RIA, Inc is a wholly-owned subsidiary of Unifimoney Inc. For important information and disclosures relating to the robo-investment account visit www.unifimoney.com
Brokerage services are provided by DriveWealth, LLC. DriveWealth is a registered broker dealer, member of FINRA and SIPC. Your cash and investments are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Investment accounts are not FDIC Insured - No Bank Guarantee - May Lose Value
Cryptocurrency trading is offered through GEMINI, a digital asset platform operated by and proprietary to Gemini Trust Company, LLC, a New York trust company. Your cryptocurrency investments may lose value and are not protected by either FDIC or SIPC.
Precious Metal trading is offered through GBI, a New-York-based precious metals dealer. Your precious metals investments may lose value and are not protected by either FDIC or SIPC.

The Annual Percentage Yield (APY) as of 03/01/21 is 0.20% APY (0.20% interest rate). The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at our discretion at any time without notice

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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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