In today's online world, knowing there is someone you can count on regarding your finances is crucial. No matter where you are in life, you can depend on our investment management expertise to build a plan that can help you achieve financial security. We offer automatically rebalanced, smart portfolios. Built to help you reach your goals and invest in what matters. Our portfolios are carefully designed to put your needs front and center. We also have offer a wealth manager that can help you prioritize your goals like saving for college and retirement, create a plan for reaching them, and provide portfolio recommendations. We’ll help you tailor a portfolio designed to meet your investment goals utilizing a variety of investment products including stocks, municipal bonds, corporate bonds, exchange-traded funds (ETFs) and new issues. We enable you to combine a wide variety of investment options into a single account allowing you to see your total investment performance in a single statement.


Portfolio Management

Portfolio management is the process of picking the type and mix of investments, to achieve a specific investment goal, then monitoring and adjusting those investments over time. We help you meet your longer-term goals with an investment strategy that’s specifically designed for you. And we’re transparent about the investment decisions we make for you because we believe an informed investor is a better investor and a happier client. Much like a tailor who alters the hem, sleeves, and collar of a suit to fit an individual's proportions, we take a variety of factors into account to create a portfolio tailored to your needs. At Refinance ventures, we go beyond just recommending an asset or investment strategy. We stay in touch with our clients as their needs evolve and market conditions deviate. We are invariably transparent about the investment decisions we recommend to investors because we believe an informed and well-educated investor is a better and happier client.


Our Approach to Portfolio management

Flexible

Every investor has unique needs. Some want growth or cash flow, others want to avoid certain industries or companies. At Refinance ventures, investment management starts with you. We take the time to understand your financial goals and needs. Only then can we create a tailored portfolio recommendation that focuses on your goals and adapts as the market changes.


Comprehensive

Many investors especially Americans, have an incomplete view of investing—focusing chiefly on US stocks and Assets. However, the US makes up only about half of the value of the world stock market. That’s important because some of the largest, fastest-growing, best-run companies are outside the US. With a comprehensive, global focus, you can increase diversification and take advantage of opportunities many investment managers miss.


Discipline

You deserve a manager who does more than just pick stocks. DFG meticulously analyzes markets, identifies the most attractive investment categories, and then chooses individual stocks, bonds, or other securities for your portfolio.


Dynamic

Many investment advisers stick to one style of investing, such as growth, momentum, or value. But what happens when their style falls out of favor? We at Refinance ventures, prefer a flexible approach that can adapt to our forward-looking market views.

Frequently Asked Questions

  • What does Refinance ventures being decentralized mean?

    Refinance ventures offers financial instruments without relying on intermediaries such as brokerages, exchanges, or banks by using smart contracts on a blockchain. It's a system that removes the control banks, institutions and to a large extent, the govenment have on money, financial products, and financial services and runs on a digital/crypto currency payment system.

  • Refinance ventures being fully decentralized isn't claimed or owned by any individual or entity, but was an idea brought to live by a network of integrated blockchain validators and portfolio managers operating on smart contracts.

  • A smart contract is a computer program or a transaction protocol stored on the blockchain which is intended to automatically execute, control or document legally relevant events and actions according to the terms of a contract or an agreement. They typically are used to automate the execution of an agreement so that all participants can be immediately certain of the outcome, without any intermediary’s involvement or time loss. They can also automate a workflow, triggering the next action when conditions are met.

  • Refinance ventures is a protocol backed by blockchain and runs on smart contracts, hence payments and transactions are carried out through cryptocurrencies such as bitcoin(btc), ethereum(eth), ripple(xrp), binance token(bnb) and stablecoins such as usdt and usdc.

  • Cryptocurrencies such as bitcoin, ethereum, ripple(xrp), binance token(bnb) and stable coins such as usdt or usdc.

  • Wealth management usually refers to a suite of services that provides the opportunity to work with a financial professional. It usually includes working together on a broad plan to help grow and protect assets and it often includes the ability to take advantage of professional money management.

  • While the minimum investment required varies from investment firm to investment firm,at Refinance ventures, portfolios with a minimum of $25k, have a personal wealth manager assigned to them. Wealth management is designed for clients whose financial situations warrant the personal attention of a financial professional but at Refinance ventures, every investor has access to contact a wealth manager for a free consultation.

  • There are a number of things one can do in an effort to protect wealth, such as retirement planning, estate planning (including developing a plan for the orderly transfer of wealth to your heirs), being more tax-efficient, or exploring the addition of fixed income investments to a portfolio.

  • Alternative investments are investments specifically meant for accredited investors who are wealthier than normal retail investors. Such investments are made in assets that do not fall under traditional asset classes, like individual stocks, bonds, etc. The lower market correlation makes these investments less volatile, and hence these turn out to be a hedge against inflation for investors. These non-conventional investments are classified as tangible (real estate, precious metals, commodities, etc.) and intangible (private equity, hedge funds, cryptocurrency, etc.).

  • Clients may engage in a wealth management relationship for a number of different reasons. Some choose to do so because they need help planning for certain goals, or need guidance around estate planning, protecting wealth, retirement planning, or ways to manage their tax obligations. Others choose wealth management because they don’t have the time or the desire to manage their own portfolios or simply value the input of a financial professional, who can act as a sounding board.

  • The exchange-traded funds or ETFs are investments that fall between alternative and traditional investments. It lets investors enjoy alternative investment opportunities while not facing any illiquidity issues. In addition, unlike other alt funds, ETFs are well-regulated and could be easily managed, sold, and converted to cash.

  • Depending on your personal situation, there are a number of ways to potentially reduce or defer the taxes you pay on your investments. These can include finding ways to reduce or defer income, capital gains, and estate taxes. Strategies such as Roth IRA conversions, asset location, tax-loss harvesting, or revisiting your gifting and estate plans may help you grow your wealth and preserve your legacy.