Emperor Investments: A Robo-Advisor Focused On Dividend-Paying Stocks

The following is a guest blog post:

Within the last decade, investing has been made far more accessible to the public through the rise of robo-advisors. Companies like Wealthfront, Betterment, and Wealthsimple are market leaders, who have successfully introduced investing to the masses using new technology and easy-to-understand marketing.

However, although some of them have performed well, newcomer Emperor Investments has done historically better. But before we get into that, let’s go over a few pros and cons of investing with Emperor:

Pros

  • Pure equity, DIVIDEND investing
    • By investing in individual companies and not ETFs, Emperor can “cherry-pick” the companies in your portfolio while eliminating the ETF fees that most other robos charge.
        • Just like Divhut, the company is a firm believer in dividend investing. They will fill your portfolio with stocks that have a long track record of dividend payments.
  • High performance
    • Dividend payments supplement your portfolio’s earnings, so you could grow your wealth even faster.
  • Personalized portfolios for every goal
    • You can save for more than just retirement with Emperor’s goal-based platform; and you get a unique portfolio tailored to each of those goals.
  • Transparency in pricing
    • Since Emperor doesn’t use ETFs, you only pay a flat 0.6% annual fee to use the service.

Cons

  • $500 minimum investment
    • Whereas many robo-advisors offer their services for any asset size, Emperor still requires a $500 minimum balance per goal/portfolio.
  • Limited account options
    • Currently, you can only open Individual, Roth IRA, and Traditional IRA accounts for your portfolios with Emperor although more are coming soon.
  • The growth of your wealth depends on longer time horizons
    • Just like any other investment, the longer you keep your money invested, the more time there is for compounded interest to work its magic. Having a longer investment horizon is generally a good idea anyway as it will also give you more time to ride out inevitable market dips.

Ready to give Emperor a try? Sign up now and get $100 towards your first goal.

Historically Superior Performance

Emperor is committed to dividend investing and it shows in their historically high performance. That’s why they wanted to share this review with Divhut readers and give you a chance to easily get started with dividend investing.

For more information you can find their entire approach on their site, but we’ll go over it briefly as well.

First, Emperor narrows down U.S. companies by using proprietary technology. Then, they further evaluate those companies by hand to come up with the “Dream Team” (i.e. quality dividend-paying companies).

By investing directly in stocks, and not ETFs like most robos, Emperor can be more selective when it comes to choosing which companies your money is invested in, depending on your attitude toward loss.

Emperor also consistently rebalances portfolios, so they are always personalized and up-to-date. This means that even if you and your friend share the same, low risk tolerance, your friend’s portfolio from last week could be different than yours from this week. Personalization is a key part of the Emperor philosophy.

Lastly, Emperor provides an additional level of customization that is something new to the robo-advisor industry. Whereas Wealthsimple lets you choose the sectors you wish to invest in, and Swell exclusively invests in “impact” sectors, Emperor seeks to differentiate itself by offering personalization through custom goals.

Bridging the Gap Between You and Your Goals

Emperor is a goal-based investment platform, helping you pursue many financial milestones; not just financial independence or retirement.

All you need to do is enter a few simple details about your goal, and Emperor will recommend a portfolio that is specifically designed to help you meet that target.

After confirming, earnings from your portfolio directly contribute to your goal. You can also play around with different variables and the recommendations to see how the timeline for achieving your goal changes.

 

As a client, you can create as many goals as you want; each with their own unique investment portfolio tailored to your preferences.

Unlike some competing robo-advisors who only consider one overarching risk tolerance, Emperor takes into consideration the goals you’re saving for and your attitude for each of them. By taking time to understand your goals, Emperor can better tailor-fit your portfolios and invest your money wisely.

Limited-Time Promotion

With Emperor’s technology, you can receive a personalized portfolio without sacrificing returns.

Everyone deserves to achieve their goals; that’s why Emperor is giving the first 100 users to sign up for their platform $100 towards their first goal!

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