Regular portfolios contain a combination of three funds composed of Exchange-Traded Funds (ETFs). For information on SRI portfolios, please see the socially responsible investing section.

Through ETFs, your money is invested in stocks and bonds spanning thousands of issuers. This approach to investing follows Modern Portfolio Theory, which prioritizes diversification over selecting individual stocks or trying to beat the market. We believe our approach suits the vast majority of people out there.

Each portfolio is built to reflect various risk-reward profiles and aims to help you achieve your financial goals.

We use the information collected during your sign-up process to provide you with an investment profile and assign you one of five diversified portfolios composed of a mix of stocks, bonds, cryptocurrencies and savings funds, suited to your personal goals.

You can see your personal investor profile in the Moka app, under Account > Investor Profile.

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