Tenjin AI Investment Philosophy and Approach

Unifimoney has partnered with Tenjin AI™ for advanced machine learning and Quant Finance based engines to power our Robo-advisory platform

Unifimoney uniquely offers 3 levels of Robo-Advice tiers providing choice and flexibility in how your portfolio is managed.

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Low Cost

Tenjin AI Basic is 40% cheaper than Wealthfront and Betterment

Passively Invest

4 ways to automatically invest in your portfolio

SIPC Insured

$500K SIPC insurance so your assets are protected

Flexibility

Reset your risk profile questions or move up or down the Tenjin AI portfolio management products

Investment approach

The Tenjin AI platform uses cutting-edge Quantitative Finance and AI based techniques to identify customized investment strategies that are tailored for an individual investor's needs.

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Advanced Machine Learning and Quant Finance methods for Selection of Stocks and ETFs using Tenjin's proprietary asset scoring mechanism.

Proprietary cutting-edge techniques to determine a focus list of growth-oriented ETFs instead of investing in a large array of ETFs/stocks.

Tenjin AI™'s proprietary Market correction index drives smartly allocation between assets and cash to control the drops in portfolio value during market volatility while extracting higher than benchmark returns.

Tenjin AI™'s Smart rebalance techniques alerts you when your portfolio needs an asset or allocation adjustment based on predicted market conditions.

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Proprietary Market correction index

This monitors the market daily and can automatically liquidate a portion of the portfolio just before an impending market crash and buy back assets when market shows signs of normalcy. This is a major difference as most Robo-advisors let the portfolio sink with market correction and let it recover whenever the market recovers. Our returns and much better than the benchmarks thanks to our unique technique.

Smart re-balance frequency

Tenjin’s decisions on Portfolio optimization frequency are done through machine intelligence, based on each individual investors profile and portfolio objectives. Each portfolio needs a different frequency of adjustments as 'one size fits all' would be less than optimal for portfolio performance.

Smart cash-assets balance

Tenjin invests in growth-oriented ETFs by carefully adjusting the amount of cash vs assets to manage the volatility on the portfolio. This allows investors to invest more in growth-oriented assets in favorable market conditions preserving value by moving to cash in not so favorable times.

What does Tenjin AI do differently from other Robo-advisors?

Tenjin doesn't use the same asset mix for all risk profiles. Each risk profile needs a list of assets that caters to the risk appetite for that category. Tenjin has a systematic way of choosing the mix of assets using its proprietary scoring mechanism for stocks/ETFs.

Explore the different risk profiles

Tenjin doesn't use the same asset mix for all risk profiles. Each risk profile needs a list of assets that caters to the risk appetite for that category. Tenjin has a systematic way of choosing the mix of assets using its proprietary scoring mechanism for stocks/ETFs.

Conservative
Moderately Conservative
Moderate Risk
Moderately Aggressive
Aggressive Risk

Conservative Risk

Portfolio

Total Return

Portfolio

DMRM

0%

-4%

Tenjin Basic

5%

2%

Tenjin Advanced

11%

4%

Tenjin Pro

28%

10%

Moderately Conservative Risk

Portfolio

Total Return

Portfolio

DMRM

-6%

-2%

Tenjin Basic

-6%

-2%

Tenjin Advanced

0%

0%

Tenjin Pro

33%

11%

Moderate Risk

Portfolio

Total Return

Portfolio

DMRM

-6%

-2%

Tenjin Basic

-3%

-1%

Tenjin Advanced

7%

2%

Tenjin Pro

37%

12%

Moderately Aggressive Risk

Portfolio

Total Return

Portfolio

DMRM

0%

5%

Tenjin Basic

33%

11%

Tenjin Advanced

56%

18%

Tenjin Pro

63%

20%

Aggressive Risk

Portfolio

Total Return

Portfolio

DMRM

13%

5%

Tenjin Basic

35%

12%

Tenjin Advanced

61%

19%

Tenjin Pro

72%

22%

The not so small text

Securities trading will be offered to customers by Drivewealth, LLC. Drivewealth LLC is a member of the Financial Industry Regulatory Authority (FINRA). Drivewealth LLC is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.

All investments involve risk, including possible loss of principal. Past performance of a security, market, or financial product does not guarantee future results. Electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance, and other factors. Market volatility, volume, and system availability may delay account access and trade executions.
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Securities products are: Not FDIC insured · Not bank guaranteed · May lose value.

Copyright 2020 -- All right reserved.

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Unifimoney, Inc. is not a bank. Bank deposit products provided by UMB Bank n.a., Member FDIC. 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 advertised interest rates are paid by participating program banks, not by UMB. Your funds will be FDIC insured up to applicable limits while in transit through UMB Bank. The information provided in your account application is being provided by you to UMB and Unifimoney simultaneously. Each of UMB and Unifimoney may use this information in accordance with its respective privacy policy. Upon acceptance of the application, an account will be opened with UMB Bank.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.
The Annual Percentage Yield (APY) as of 12/11/20 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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