Our community in the U.S. faces a serious problem: low savings and wealth levels.

Of course, there's little financial education, the information we're given is complicated, and we're ignored because we're not rich or don't speak the same language. These are sufficient reasons to explain the low level of savings and wealth.

We firmly believe that investing is one of the most effective ways to build wealth. We need to make it easy and accessible for everyone, no matter how small their wealth. We need to start building a better future little by little, often.

This is how El Menudo Cuenta was born. Our mission is simple: to look after the best financial interests of everyday Hispanics. How? By empowering them with knowledge and access to microinvesting so they can make better decisions and win.

We firmly believe that everyone can build wealth regardless of their portfolio size, education level, race, or what they do for a living.

Hispanics have very little exposure to financial assets. Financial assets account for only 10 percent of their total asset holdings (including the value of their homes, bank accounts, and bonds), while for the non-Hispanic white population, exposure is close to 25 percent of their total assets.

Where is the bulk of savings? It's concentrated in monetary instruments and real estate. The Hispanic community's extremely low exposure to stocks means missing out on a valuable opportunity to participate in the investment sector that has historically been the most important for accumulating retirement value.

If you've read a little about investing, you've probably read about two investment approaches: passive and active. Passive investing means buying an entire market of stocks or bonds, often in proportion to their relative value, rather than selectively (or actively) buying a particular set of stocks or bonds. Passive investing involves diversification, lower fees and taxes, and generally more return for the same amount of risk. Active investing is less diversified, tends to have higher fees and taxes, and can provide more return for the same risk, but it often doesn't outperform the market. For these reasons, we use passive investments in our portfolios, complemented by a disciplined dynamic rebalancing process around those portfolios.*

*To learn more about our investment philosophy, see "EMC Investment Philosophy" in the Legal section.

Money deposited in MC Efectivo can be invested in money market funds or ETF instruments with exposure to very low-risk assets, such as Treasury bills, CDs, or short-term, high-quality corporate bonds with maturities of less than one year.

In the case of MC Investments and MC Futures accounts, investments automatically go to diversified portfolios that invest in assets ranging from stocks and bonds to ETF instruments instead of investing the money in just one or more stocks.

Think of your portfolio as a combination of several piggy banks. Each piggy bank consists of exchange-traded funds (ETFs) that contain a mix of stocks, bonds, etc., categorized by company size and geographic area.

The portfolio chosen is based on the answers you gave when you registered with El Menudo Cuenta, such as your age, circumstances, and goals. Our investment recommendations, compiled by experts, range from conservative to aggressive.

All of them arise from an economic necessity: we need to invest in financial assets to grow our wealth over time.

We need to save to invest. As the first step on our path to financial independence, we need a place to park the cash we accumulate. That's why MC Cash.

From there, we begin to shift money to other baskets: saving for retirement, accumulating financial assets that increase the value of what we've accumulated, and accumulating for future generations. That's why MC Inversiones and MC Futuro.

In other words, the accounts arise from the economic need we all have to grow our assets and achieve financial independence.

Of course. The content is designed with you in mind. Our motto is: "Be simple, but not simplistic." What we're most interested in is helping you learn the basics everyone should know to feel more confident managing their finances.

We understand the challenge: busy lives, being able to access content quickly and easily without complications.

That's why, combining our founders' millions of hours of knowledge and experience, we've developed content that uses the tools at our disposal to be more effective in delivering our message to you.

Because what we want is for you to be better informed. We all win when we know more.

Learn is included in the MC Premium and MC Family packages.