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  • What does Emperor cost?

    What does Emperor cost?

    Emperor charges an annual management fee of 0% to 0.80%, depending on your balance, and is prorated across the entire year and is charged at the end of each month. For accounts under $5,000, your management fee is free.

    If you withdraw all of your money before the end of the month you are charged a prorated fee only for the days your money was managed by Emperor.

    Emperor’s single management fee covers everything you need including transactions, trades, transfers, rebalancing, advice, account administration, etc. Unlike other companies, Emperor does not charge you transaction fees to buy and sell securities.
    Some accounts hold Exchange Traded Funds (ETFs). Each of these ETFs has an expense ratio, which you would pay no matter where you purchased these funds. Be aware that ETF underlying fees are charged by different ETF providers such as BlackRock, Vanguard, Bank of Montreal, etc. The cost charged by the funds may be a little harder to see because many fund companies collect their fees by slightly reducing the dividends they pay out. Rest assured that Emperor works hard to offer funds with some of the lowest fee while suiting your investment needs.

  • What is my investment Portfolio?

    What is my investment Portfolio?

    For account values with less than $5,000:
    Your investment portfolio is composed of Exchange Traded Funds (ETFs). ETFs trade on the public markets like stocks and represent a broad holding of stocks or bonds.

    For account values with more than $5,000:
    Your portfolio will be comprised of a carefully crafted mix of fixed income (bonds) ETFs and individual stocks. Your investment portfolio will be built depending on your unique risk profile and investment needs, which are based on how you answered our questionnaire.

  • What makes Emperor different?

    What makes Emperor different?

    Our investment portfolios are unique to you. They are designed to maximize your returns for your specific level of risk. There are no account minimums, we are an investment advisor for people with different budgets. We don’t work on commission. Our goal is to give you a peace of mind, knowing that we will take the best financial care of you.
    For a low cost you will receive:

    • Diversified tailor made portfolio
    • Regular dividends
    • Access to a real live advisor
    • Easy and worry free automatic savings through our Spend to Save tool
    • On the go accessibility through our mobile and web app
  • Will I earn dividends from my portfolio?

    Will I earn dividends from my portfolio?

    Yes! Any cash dividends you receive will be automatically deposited to your investment account at Emperor. Once you have enough cash in your investment account we will reinvest this cash in either new great companies or ones you already own!

  • Will my portfolio “beat” the stock market when I invest?

    Will my portfolio “beat” the stock market when I invest?

    Ideally, one would want to “beat” the market. However, lots of managed funds, through which management teams try to pick winners and losers, often fall short of market benchmarks, and their high fees can easily offset any gains.

    We believe that the best approach to investing is to focus on quality companies that have a long record of paying dividends, with good management teams of ethical governance, while maximizing the returns on your level of risk. If this strategy sounds familiar, that’s probably because it’s the basis of Modern Portfolio Theory, first put together by Dr. Harry Markowitz. For more information about our investment methodology, please visit our “How It Works” page.

  • Can I open multiple accounts?

    Can I open multiple accounts?

    You are welcome to open as many accounts as you would like. Many of our clients like to open dedicated accounts for each of their savings needs such as buying a house, financing their kids’ college, and saving for retirement.

  • Does Emperor store my bank login information on their servers?

    Does Emperor store my bank login information on their servers?

    No. We do not store your bank login information.

  • How do I choose an investment portfolio?

    How do I choose an investment portfolio?

    Emperor will recommend a portfolio for you based on your investment time horizon, income, investment goals, and risk tolerance, and tax considerations. Of course, you may choose a more or less aggressive portfolio than our recommendation, and you are free to change it at any time.

  • How do I open an account with Emperor?

    How do I open an account with Emperor?

    There are three steps to get started with Emperor- each is listed below.

    1. The questionnaire. When you go to our homepage and click on “invest now” or “open an account,” we will ask you a series of brief questions so we can build a recommended portfolio for you. If you don’t know an answer to a question, that’s ok – you can change it later if needed or contact us and we will be happy to assist you. After the last question, we will present you with a recommended portfolio based on your risk score and your investment objectives.

    2. The “Your Portfolio” page. This page following the last question in our questionnaire, will detail what industry sectors we would invest in for you, and the percentages we would buy in each sector. Note that we may not buy in all the sectors. Our portfolios are “tailor made” for you and some sectors may be inappropriate for you.

    3. Opening an account. Once you’re comfortable with a particular risk score, you can click on “open an account.” We will ask you “what would you like to do?” for your funding options and then give you several options for account types such as 401(k) and IRA, etc. Once you fund your account(s), you will see the details of each security that we will buy for you for your tailor made portfolio.

  • How do I transfer my IRA to Emperor?

    How do I transfer my IRA to Emperor?

    To transfer your existing IRA to Emperor, we will use a direct transfer process to avoid any tax consequences. A direct transfer entails your current provider sending us a check of your funds directly, for your benefit.

    These instructions only apply if you’d like to roll your funds into an Emperor IRA. If you’d like to transfer funds into an existing Emperor 401(k) plan through your employer, please contact us at support@Emperorinvests.com for separate instructions.

    Additionally, if you have a special retirement plan like an inherited IRA, then please contact us at support@Emperorinvests.com and we will guide you the process.

  • How does "Spend to Save" work?

    How does "Spend to Save" work?

    “Spend to Save” makes it easy for you to invest in yourself.

    We round up any purchase made from a connected account to the next dollar, or the next five dollars and invest that change. The value of your “Spend to Save” must equal at least $5 to be invested.

    And you can make one-time investments anytime to increase your account balance.

    When you create your profile, we’ll suggest a portfolio based on your answers to our questionnaire, but you can change it anytime.

    So, where do we invest it? The money in your Emperor account is invested in Exchange Traded Funds (ETFs), when your account value is under $5,000. These ETFs include stocks, bonds and other securities, and try to mimic the performance of a broad index (for example the S&P 500 Index). When you have an account value of more than $5,000, we will be invest your capital in individual stocks, possibly combined with fixed income ETFs depending on your risk score. Read more about our portfolios here

  • How does tipping at a restaurant affect "Spend to Save"?

    How does tipping at a restaurant affect "Spend to Save"?

    “Spend to Save” are based on final amounts charged to your card, including tips.

  • How long does it take to transfer my money?

    How long does it take to transfer my money?

    Emperor is a powerful way to put idle balances to work for you. Americans on average do not save nearly enough money, so we challenge you to deposit as much as you can comfortably afford because the more you invest the more that will grow. Saving will be automatic and easy when you sign up to use “Spend to Save” or our “automatic monthly deposit” function. You can read about Spend to Save here.

    Electronic deposits from your bank to Emperor typically take 1 to 2 days to process. This excludes requests made on Saturday and Sunday. For your auto-deposit: If your auto-deposit falls on the weekend, it will invest typically in 1-3 days.

    Electronic withdrawals from Emperor to your bank generally take 4-5 business days due to the required sale and settlement of securities governed by The Securities and Exchange Commission (SEC). Note that your withdrawal time may also be affected if you have made recent deposits within the previous 5 business days.

    Emperor does not guarantee specific execution timelines. We avoid trading on or around market open or close, as markets have historically been more volatile during this time. Pending wait times are imposed by banking and market rules and cannot be sped up by Emperor.

  • I do not live in the United States. Can I still have an account?

    I do not live in the United States. Can I still have an account?

    Emperor currently only services clients living in the United States*, and for regulatory reasons cannot accept customers residing outside the country.

    Customers must have a permanent U.S. address, a U.S. Social Security Number, and a checking account from a U.S. bank.

    *Emperor supports residents in Hawaii, Alaska and Puerto Rico.

  • Is there a minimum deposit or balance?

    Is there a minimum deposit or balance?

    There is no minimum investment at Emperor, and no minimum balance.

    One reason we have no minimum balance is to ensure that every investor can get started building wealth with both long-term and short-term goals.

  • What are dividends?

    What are dividends?

    When you buy shares in a company, you become a co-owner and are thus entitled in sharing some of the profits made by the company. We look at a stock as a part ownership in a company, not simply as a piece of paper (or digits in computer code) that is traded constantly. You have the option of receiving them in your bank account, or reinvesting them. Unless you tell us otherwise we will reinvest your dividends.


Bookshelf

Emperor aims to deliver an automated investment management service that maximizes the net-of-fee, after-tax, real investment return for each client’s particular tolerance for risk. These papers are what we base our investment philosophy on to achieve our objective.

Trading Is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors

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By Brad M. Barber and Terrance Odean

Individual investors who hold common stocks directly pay a tremendous performance penalty for active trading. Of 66,465 households with accounts at a large discount broker during 1991 to 1996, those that trade most earn an annual return of 11.4 percent, while the market returns 17.9 percent. The average household earns an annual return of 16.4 percent, tilts its common stock investment toward high-beta, small, value stocks, and turns over 75 percent of its portfolio annually. Overconfidence can explain high trading levels and the resulting poor performance of individual investors. Our central message is that trading is hazardous to your wealth. The investor’s chief problem—and even his worst enemy—is likely to be himself.

What Australian Investors Need to Know to Diversify Their Portfolios

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By Vitali Alexeev and Francis Tapon

According to a report by the Australian Securities and Investments Commission in 2008, most (78%) of Australian investors had heard the term diversification. Nevertheless, around half of investors (49%) held only one type of investment (shares only) with the average number of holdings of 2.19 securities. More telling, a third (33%) of share owners acquired their shares passively (as part of a demutualisation or had received shares through an inheritance or gift), while almost two-thirds (63%) of share owners acquired the shares actively. One conclusion is that Australian investors, on average, own poorly diversified portfolios and leave themselves exposed to excessive diversifiable risk. To study this issue, we simulate portfolios using daily observations for all traded and delisted equities in Australia between 1975 and 2011. We calculate two measures of risk, including heavy tailed to account for extreme events. For each risk measure, we recommend the number of portfolio holdings that result in a 90% reduction in diversifiable risk for an average and a more conservative investor. We find that, on average, 24 to 30 stocks are sufficient to attain a well-diversified portfolio.

How Many Stocks Are Enough For Diversifying Canadian Institutional Portfolios?

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By Vitali Alexeev and Francis Tapon

Portfolio risk is a function of the number of stocks held in portfolios. We simulate portfolios using daily observations for all traded and delisted equities in Canada from 1975 to 2011 and we calculate several measures of risk, including heavy-tailed to account for black swan events. For each risk measure, we calculate the average number of portfolio holdings and the upper limits of these holdings to assure investors of a specific reduction in diversifiable risk. In contrast to previous literature that suggests 10-15 stocks are enough to provide adequate diversification for an average investor, we find that in fact more than 50 stocks are needed to achieve the same level of diversification most of the time instead of on average.


Still Have Questions?

Talk To One Of Our Advisors, Today!

We are a diverse group of experts with many years of experience in the investment industry. We will work tirelessly to bring you peace of mind that comes with knowing your nest egg is in good hands.

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