Frequently Asked Questions
How much should I invest?
A golden rule is:
“Never invest more than you can lose.”
Of course, we don't plan on losing money in the long run, but each and every investment has its set of risks. Banks can fail and Governments can default for example. To be more specific, we generally recommend, for those who can:
Set aside a monthly amount to invest in longer term investments such as ours.
Also set aside a monthly amount to keep in liquid investments that you can use as an emergency fund.
The sum of both is usually no more than 15% of your income.
After all, our funds have very low minimum investments of just $1 (USD)! Just have a look at our calculator to get and idea on what to expect:
Why should I invest monthly?
Investing a fixed amount every month helps mitigate your risk and lower the average cost of your investment, especially when compared to those trying to guess the best time to enter or exit the market.
It is called Dollar-Cost Averaging, or simply DCA, and it is the investment strategy used by the majority of successful investors.
How long should I keep my investment?
Each of our funds has different goals and strategies behind them. You should read all available information to decide if they suit your investment style and goals.
But again, a golden rule is:
“Think about 1-year intervals.”
We do not recommend that you keep checking your investments all the time because of Myopic Loss Aversion, therefore, we recommend intervals per year. However, you should always invest in a way that you are comfortable with.
Depending on the fund you invest you may receive quarterly reports, however, if you want to view your investments just log in at any time.
Like on a ship, look towards the horizon, not at every wave. 3 years, 5 years… where do you see yourself?
Does this mean I have to wait 1 year to get my money?
No! You as an investor can withdraw your money whenever you want.
The recommendation is to make monthly deposits and check the progress of the account annually. But you can withdraw any portion of your money anytime you want.
Just keep an eye out as some funds have an Early Recall Penalty fee of usually 1 quarter.
What fees do you charge?
Each fund has a different fee schedule, but we try to keep a no AUM (Assets Under Management) fee, performance fee only policy. This means that we only make money, when you make money!
This fee is around 5%. So for every $100 you make, we are paid $5. Great bargain if you ask us.
Oh and don’t worry, this is automatically calculated and paid out by the brokerage. This means we will NEVER ask you to make any payments, or deposits in or outside the trading platform.
Maestri Performance Fee Model vs Bank AUM Fee
Because we only want to make money when you make money.
Compared to a bank's fixed AUM fee, we don't charge for holding you money, we get a percentage of gains. This aligns our goals with our investor's goals. Same fees, better performance.
Do you use Martingale, Gridding or some other “alternative strategy”?
No!
We never use these so-called “alternative strategies” in any of our funds.
Even though some people are drawn to these strategies, our own test show that, time after time, these strategies are disastrous and do not work.
“We never use these so-called alternative strategies in any of our funds. Such as Martingale, Gridding, etc.”
Number of times that using martingale on an otherwise profitable strategy yielded any profit at all.
Through what is known as the “Monte Carlo Method”, we were able to test the reliability of the results of different strategies by changing stochastic variables and repeating the same test over and over again (500 times to be precise).
Our results demonstrate that for the vast majority of the time, these strategies significantly increase risk (risk meaning Standard Deviation) while reducing average profit.
In one example, for a strategy that would profit in all 500 scenarios tested, when using Martingale, only 4 out of 500 (approximately 0.8%) of the simulations made any profit at all.
In other words, this demonstrates that strategies that have success with martingale are just extremely lucky and are statistically unlikely.
Stick to Dollar Cost Averaging (making monthly deposits), and you’ll be, statistically, ahead of the curve.
Do you issue refunds for losses or costs?
No! Maestri Investment Group Ltd., like any other company in its field, will never, under any circumstances, refund any loss, fee, or otherwise deliver, or promise to deliver any compensation in any way.
Every investment has its own set of risks, upsides and downsides. We are constantly working to improve the quality of our funds by decreasing risk and increasing profit. Remember:
We share the risk as we also invest our own money in our funds. We have no interest in purposefully causing unnecessary losses to our accounts.
We make money when you make money.
“We cannot Ethically, Responsibly ,or Legally guarantee results, but we can say that we put our own money on the line and can show you our trajectory so far.”
How do I invest?
It’s just 3 simple steps: 1 Create and verify account, 2 make a deposit and 3 Join one of the pamm accounts with the “Together” offer!
Step 1
Create and verify a new account.
Step 2
Adding funds to your account.
Step 3
Become a PAMM follower.
What do I do if my account has lost value?
The first thing to remember is that this is normal.
Second, remember “Buy Low and Sell High”. So imagine an account that is significantly undervalued (30% for example), you can see it as an excellent opportunity to invest more and take advantage of the downturn in the market.
Let's take the example of the 2008-2009 fall. There was a ~47% drop from the top to the valley in a period of just 1 year. However, just 1 year later, the market had recovered the vast majority of losses.
This means that those who invested when the market was undervalued achieved returns of around 50% in just 1 year!
“Buy Low and Sell High”
So, if you see a negative month, stop and remember:
Stay calm and act rationally.
Remember that month-to-month variations are normal.
Think of periods of at least 1 year.
Make consistent monthly deposits.
Understand that big drops can mean opportunities.
Don't invest more than you can.
We invest WITH you, not against you.
Any other questions?
If you have any questions that are not answered here, you can contact us on social media or via the form on the Contact Us page.