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.