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Save and invest in one place

Three accounts, one goal: growing your wealth

You can open a savings account as a preliminary step to starting to invest. You also have an investment account and a retirement account.

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What is MC Efectivo?

The first step before investing

The main objective of MC Efectivo is:

  • Security: Its objective is not to lose value.

  • Liquidity: You can withdraw your cash at any time without penalties.

  • Higher returns than bank savings.

With the app, you can deposit checks anywhere or record payroll deposits!

What is MC Investments?

From savings...to investment

You deposit and that's it. We invest for you. We recommend a portfolio created by experts based on your investment objectives, time horizon, and risk tolerance. It will be adjusted to help reduce the impact of market volatility and keep you on track.

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What is MC Futuro?

The tool to start building your retirement

Both the Traditional IRA and the Roth IRA are tax-advantaged investment accounts designed to help you save for retirement and are one of the most effective ways to save and invest for the future.

Learn section accompanies the accounts

Unlock your potential with all our educational content

Learn at your own pace, wherever you are. Immerse yourself in learning today and advance your path to success!

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You will soon discover the path to financial freedom!

With our leading savings and investment app, access intuitive tools that will help you save smartly and make informed investments.

Frequently Asked Questions

Here we answer your questions

What is MC Efectivo used for?

The main objective of MC Cash is to ensure that the money deposited does not lose value, that you can withdraw your cash at any time without penalties, and that you obtain a higher return than bank savings accounts. MC Cash is primarily used for: - Making a purchase or paying for an expense. - Creating an emergency fund; that is, money you don't plan to spend, but that it should remain safe and accessible in case of an emergency. - A settlement fund that will be used to buy and sell financial instruments within the MC Investments and MC Future accounts.

How much money do I need to start investing?

Once you sign up and choose the plan that best suits your goals, you can start investing in any account with just $5 or set up an automatic recurring investment, starting at just $5 per day, week, or month. There's no minimum amount required to open an MC account, but you must have funds in your account to start investing.

How is my money invested?

Once you deposit, we automatically invest in the market in portfolios we recommend based on your investment objectives, time horizon, and risk tolerance. Our algorithms continuously monitor and manage your portfolio at a fraction of the cost of a traditional advisor. These portfolios will automatically adjust when possible to help reduce the impact of market volatility and keep you on track. Our ETF portfolios range from aggressive (entirely invested in stocks) to conservative (entirely invested in bonds), with a mix in between. The same principle applies to MC Futuro retirement accounts.

How much money do I need to invest?

There's no minimum amount required to open an MC account, but you must have funds in your account to start investing. Once you sign up and choose the plan that best suits your goals, you can start investing in any account with just $5 or set up an automatic recurring investment, starting at just $5 per day, week, or month.

Difference between MC Investments and MC Future?

MC Investments is a standard investment account. You'll owe taxes on any earnings, but there's no limit on how much you can invest, and you can withdraw your investments at any time (although you'll generally pay less tax if you hold the investment for more than a year). MC Futures offers a variety of retirement accounts. You have a traditional IRA and a Roth IRA. With a traditional IRA, you don't pay taxes until you withdraw the money and can now receive a tax exemption on any contributions. With a Roth IRA, you pay taxes before you invest, but the money grows and can be withdrawn tax-free. Since IRAs are intended to help people save money for their lives after they reach retirement age, the government provides certain tax benefits. The money you deposit in these accounts is invested according to your preference. This can be stocks, ETFs, fixed income, or a diversified mix of exchange-traded funds (ETFs) chosen by us.

Is MC Efectivo FDIC insured?

Bank savings accounts and CDs are FDIC-insured up to $250,000. Because the deposited funds are invested in money market funds or ETFs that invest in very low-risk assets, these funds are not FDIC-insured. However, they may be eligible for up to $500,000 in SIPC coverage when held in a brokerage account.* To learn more, visit SIPC.org

Are my investments insured?

Now, all investments involve some degree of risk. If you intend to purchase financial securities, such as stocks, bonds, ETFs, or mutual funds, it's important to understand before investing that you could lose some or all of your money. Unlike deposits in banks, insured by the FDIC, and credit unions insured by the NCUA, the money you invest in securities is typically not federally insured. You could lose your principal, which is the amount you've invested. This is true even if you make your investments through a bank. The other risk you should consider is the financial health of the institution entrusted with holding your money. El Menudo Cuenta has established a relationship with the multinational and public company Interactive Brokers LLC (NASDAQ:IBKR) to hold your accounts. If the brokerage firms fail, SIPC insurance covers investors up to $500,000 in securities and up to $250,000 in uninvested cash. The SIPC is a private, nonprofit, federally mandated organization. It was created as part of the Securities Investor Protection Act (SIPA) of 1970, which sought to protect investors from brokerage firm failures. Visit SPIC.org for more information.

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Investment products | Not FDIC insured | No bank guarantee | May lose value

Important Disclosures

 

Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and El Menudo Cuenta's pricing before investing. Investment advisory services offered by El Menudo Cuenta, LLC (EMC), an SEC-registered investment advisor. Brokerage services are provided to clients of EMC by Interactive Brokers, LLC., an SEC-registered broker-dealer and member FINRA/SIPC.

 

  • A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the EMC app.

  • EMC Subscription Fees are assessed based on the tier of services in which you are enrolled. EMC does not charge transactional fees, commissions or fees based on assets.

  • The ETFs comprising the portfolios charge fees and expenses that will reduce a client's return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF's prospectus. Please read each prospectus carefully before investing.

  • EMC Inversiones, an individual investment account which invests in a portfolio of ETFs (exchange traded funds), is recommended to clients based on their investment objectives, time horizon, and risk tolerance.

  • For EMC Futuro, an Individual Retirement Account (either Traditional, or ROTH IRA), please consult your tax advisor with any questions.

  • It is not possible to invest directly in an index. Past performance is no guarantee of future results.

  • EMC reserves the right to restrict or revoke any and all offers at any time.

  • Compounding is the process in which an asset's earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. EMC clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

  • Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.

  • The information contained on this website should not be considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be constructed as tax or legal advice. Please consult your tax advisor with any questions.

 

For additional important risks, disclosures, and information, please visit https://www.elmenudocuenta.com/legal/

 

© 2025 El Menudo Cuenta, LLC.

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