Investing

Investing

Partners

The Thesis Portfolio is offered by Placeholder, who is registered with the FCA as an Appointed Representative of Wealth Kernel, the custodian and broker of our clients' assets. Pynk licenses its data to Placeholder for use. Pynk is not a regulated entity and nor can it offer investment services to its users.

Go to the Pynk website to learn more.

What is the minimum investment?

You can start investing from as little as £10 if redeeming cash from Wisdom Points or £40 if depositing cash from your bank account. You will be able to invest as and when you like. In future, we'll add features allowing you to either invest a regular monthly amount automatically, round up your purchases or just what you can afford, when you can afford it.

What is the maximum investment?

You can start investing up to a maximum of £20,000 fee-free (as long as you predict weekly). There's no limit to how much you can invest, but over £20,000 you'll pay our standard fees.

How much gains will I earn?

As with any managed portfolio, the return you'll earn is based on the performance of the underlying assets and it cannot be guaranteed. Our experts are hard at work, leveraging Crowd Wisdom to generate the best possible outcomes for you. Your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatments depend on individual circumstances and where you pay tax may be subject to change in the future. If you're unsure, please seek financial advice.

Is my money safe with Pynk?

Absolutely, Placeholder, owned by Pynk One Limited, offers investment services as an Appointed Representative of Wealth Kernel Limited, a company regulated and authorised by the Financial Conduct Authority (FCA).

Upon making a deposit to invest with Placeholder, your funds will be transferred to Wealth Kernel Limited, the custodian and broker of Placeholder, which is protected by the FSCS. Please note the FSCS does not cover investment losses. Click here to learn more.

Investor Waitlist

Can I invest in Placeholder now?

Investing will be available to UK investors soon. We are working hard to make investing with us possible everywhere, and will be expanding our services as soon as possible. For the time being, please sign up to our waitlist.

How do I join the investor waitlist?

You can sign up and join the queue in the investor waitlist section of the Placeholder website. You will be added to the end of the queue. Want access even sooner? Move up 1,000 spots for every person that joins the waitlist using your referral link, which can be found on the same page and shared across all your social media, email, websites or blogs - and anywhere else you can think of!

How do I invite people to the investor waitlist?

Simply use your unique referral code, you will find this code in the investor waitlist section of the app. This referral can be shared across all your social media pages, your blog or website, by email and a number of other ways. We'd ask that you invite only people who have the intention of investing.

Why should I invite people to the investor waitlist?

You move up 1,000 spots for every person you invite to the investor waitlist. So make sure you use your unique user referral code which can be obtained from the investor waitlist section of our website.

Payments

Can I invest in any currency?

Currently Placeholder is only accepting investments from users with a UK bank account. Therefore, all payments will be made in £GBP. Our planned expansion into Europe, Latin America, and beyond should see us able to accept more currencies soon. Stay tuned!

Can I use a credit/debit card to invest?

Details of which cards can be used are to be confirmed. Please check back later.

Can I use Bitcoin to invest in Placeholder?

Sorry, unfortunately, you cannot invest with any form of digital currency for now. We are working on this for future releases.

Can I set up a standing order, direct debit or regular payment?

Although we hope to add this feature soon, setting up direct debits and standing orders will not be possible at this point. Payments will be made by proactive bank transfer.

Does Pynk offer a 'rounding up' service?

We do not currently offer a 'rounding up' service (where you can automatically invest your change on purchases by rounding up to the nearest Pound, Euro, Dollar or whatever your currency) but it is very much on our agenda, we are working on it!

Eligibility

When can I invest my money directly into Placeholder's managed investment portfolio?

Placeholder's managed investment portfolio is expected to go live in May 2021.

Which countries are eligible to invest money into the managed portfolio?

At launch, we will be able to accept investments only from UK residents. We expect to make the Investor Wallet available to the rest of the world shortly.

How old do I have to be to invest my money?

The minimum investment age is 18.

How do I qualify for 0% fee investing?

To qualify, you need to be an active predictor at beta.pynk.io a gamified crowd wisdom platform. For active users, who make a minimum of 1 weekly price prediction on their prediction tool, we will waive all fees for them on Placeholder!

ESG

Does Pynk invest in ESG (environmental, social and governance) impact projects?

ESG investing is a core pillar of the Pynk mission, so we can make investing better together. We are committed to funnelling as much of our managed assets into ESG projects as possible, through the power of Crowd Wisdom. We have many ESG-focused additions coming to the platform, giving you transparency as well as feedback on the ESG performance of all kinds of investments. As a Crowd member, you'll be able to influence the ESG policy of Pynk. And in later releases, you'll be able to shape your portfolio according to your ESG preferences.

Can I control which assets classes my money goes into?

In our future product pipeline is the ability to remove certain asset classes from your investment portfolio, or invest more heavily into those you like. That means you will have transparency and control over where your money is invested.

How else I can save the world with Pynk?

At the end of each Wisdom Point exchange cycle, you can either exchange your earned WP's for monetary value in the managed investment portfolio - or you can donate that value to planting trees (coming soon with more good causes to follow, shaped by the Crowd).

Placeholder is the trademark of Pynk One Ltd. Pynk One Ltd (FCA reference no. 942958) is an appointed representative of WealthKernel Limited (FCA reg no. 723719), which is authorised and regulated by the Financial Conduct Authority.

Investing involves risk to your capital. Past performance is not an indication of future results; the value of your investments can go down as well as up, and you may get back less than you originally invested. The information contained herein does not constitute investment advice or investment research and should not be relied upon to make any investment decisions. References to specific assets or securities are included for illustrative purposes and should not be understood as an endorsement or a recommendation to engage in investment activities. Please invest aware.