FAQ

Frequent Asked Questions

GETTING TO KNOW JARVIS VENTURES
There’s a lot at work in a Jarvis Ventures account. Get the answers to the top questions new customers ask us.

1. Who is Jarvis Ventures Limited?

Jarvis Ventures Limited is a Asset Management  & online financial advisor based and registered in Hong Kong in October 2019 and regulated in Labuan, Malaysia in January 2020. We help you plan your financial goals and recommend smart investment choices, so that you save time and gain peace of mind, knowing that your money is working for you. We’re a fiduciary, which means we put your interests first.

When you open a Jarvis Ventures investment account, we advise you on what your portfolio should include, while giving you control over how much risk you take on. All of our portfolio strategies are globally diversified and built using index-tracking exchange-traded funds (ETFs). We pick & trade the funds for you, making recommendations that control costs and taxes. We also automatically take care of things like portfolio rebalancing and reinvesting dividends.

When you make a deposit, we invest all of your money automatically, trading fractional shares for you in the background. That means there’s no extra step to turn your cash into investments, and your returns aren’t dragged down by holding extra cash.

2. What affects the Value of Money?

Money has a tendency to lose its value over time because the price of goods and services has an upward tendency. This is called inflation. Here are some factors that could eat away your money:

Inflation: Simply, inflation occurs when the price of goods and services rises. And when prices rise, people will ask for a rise in salary. That’s why the money you earn today will be worth less 10 years from now.

Interest rate fluctuations: A drop in interest rates means a smaller return on your deposits, and if the interest rate is lower than the rate of inflation, your savings lose value. But for some investments, such as equities and bonds, the value of your investment may rise because of the drop in interest rates. Therefore it is crucial that you have a financial plan to protect your future and to put your money where it generates reasonable returns to meet your needs.

3. What are Jarvis Ventures’ Financial Products?

Jarvis Ventures’ Financial Products are a term defined in the Code of Conduct for Persons Licensed by or Registered with the Labuan Financial Services Authority. The financial products currently made available for our personal customers are classified as follows: Stocks Securities, Forex, Bonds, Unit Trusts and Equity-linked Investment.

4. What are Stocks Securities?

Securities is the generic name for shares and other investment tools quoted on the stock market. Individuals may invest in securities, either through a broker or through their bank, and can check the progress of their investment every day in the newspapers or on the Internet. It is possible to enjoy a higher rate of return from investing in securities than from savings accounts. Stock market securities in thriving economic climates will generally show an increase over time, and sometimes within a very short period. However, all stock markets are volatile and buying securities should not be seen as a short-term method of making money.

Buying securities also costs money. Stockbrokers make various charges for their services, such as commission. Other than investing in securities by yourself, you can assign asset management professionals like Jarvis Ventures to invest on your behalf.

5. What is Forex?

Forex is a portmanteau of foreign currency and exchange. Foreign exchange is the process of changing one currency into another currency for a variety of reasons, usually for commerce, trading, or tourism. According to a recent report from the Bank for International Settlements (a global bank for national central banks), the average was more than $5.1 trillion in daily forex trading volume.

The foreign exchange (also known as FX or forex) market is a global marketplace for exchanging national currencies against one another. Because of the worldwide reach of trade, commerce, and finance, forex markets tend to be the largest and most liquid asset markets in the world. Currencies trade against each other as exchange rate pairs. For example, EUR/USD.

Forex markets exist as spot (cash) markets as well as derivatives markets offering forwards, futures, options, and currency swaps. Market participants use forex to hedge against international currency and interest rate risk, to speculate on geopolitical events, and to diversify portfolios, among several other reasons.

6. What are Bonds?

Bonds are credit notes issued by governments, corporations or other issuers to bondholders. As a bondholder, we will be extending credit to these issuers and they are obligated to repay the redemption value of the bond upon maturity, as well as a rate of interest during the life of the bond. There are many types of bonds from different issuers that vary in their terms. Some examples include the fixed rate bond, floating rate bond, zero coupon bond and convertible bond as well as Certificates of Deposit (CDs).

7. What are Unit Trusts?

Unit trusts (or mutual funds) give investors the opportunity to diversify even a small investment in securities, bonds, currencies and commodities in markets around the world. This is achieved by combining the resources of many investors into one large fund which can be spread over a number of different investments and over a wide geographical area. This range of investments is called a portfolio.

Unit trusts have a number of benefits:

Spreading the risk: We spread the investment across a diverse portfolio. This is usually safer than investing in a single share. Of course, levels of risk and return also vary among different funds.

Professional management: Fund managers spend their working lives researching and managing investments. It would be very difficult for an individual to have an in-depth knowledge of markets around the world. With a unit trust, their expertise is working for you.

Access to worldwide markets. Your money can be invested in overseas markets, which may not be easily accessible by individuals.

Economies of scale: With a large number of investors contributing to a single fund, operating costs and commissions can be amortised. Individual investors thus pay lower fees.

Liquidity: We will buy and sell unit trusts on any dealing day (except on public holidays in the countries to which our fund is linked). The money need not be tied up for a specific period of time.

8. What are Equity-linked investments?

Equity-linked investments (ELIs) are structured investment products embedded with derivatives, the investment returns of which are linked to the performance of the reference assets. The reference assets can be shares in a listed company, units in an exchange-traded fund or equity indices.

9. What is the minimum and maximum investment I can have with Jarvis Ventures Limited?

The minimum Capital Investment is USD$ 5,000 and maximum is USD$ 1,000,000 per account.

10. How long is each investment’s contract tenure?

All Investment deposited with Jarvis Ventures is subject to a 1 – 2 years contract.

11. Are multiple investments allowed for each contract?

Multiple amounts not allowed to added to the main account which was opened earlier. Example: On 1/3/2020 first account with US$30,000 was invested. Subsequently on 1/5/2020, client wants to add US$20,000 to the first account to enjoy a higher profit yield % in a higher investment category. This is not permissible.

12. What are Jarvis Ventures’ fees?

Following are Jarvis Ventures’ financial fees or charges:

  • Subscription Fee – a one-time fee of 5% is charged upon investing. As an example, if an investor chooses to invest USD $10,000, he/she will have to remit USD $10,500. This subscription fee goes towards setting up the fund, account set-up & IT system fees, advertising and other relevant banking fees.
  • Administrative Fee – the flat fee of 5% is charged as an administrative fee for each withdrawals of profits. The computation is as follows: 5% x Profit withdrawal (USD$). Profit will be withdrawn and remitted to investors every 3 months.
  • Setting-up Contracts & Legal cost of US$150 is charged one-time for each new investment.

What does these fees get you? It covers the advice you receive, the transactions, trades, transfers, and rebalancing we manage for you, contract draw-ups and all other account administration. We do not charge you additional transaction fees to buy and sell stocks, bonds, equities and securities. Any fund held in your portfolio at Jarvis Ventures will assess fund-level fees, called expense ratios, but Jarvis Ventures aims to keep these costs low, and we receive no part of these fees.

13. Are early Withdrawals of Investment allowed?

Early withdrawals of Capital Investment are not permissible.

14. How are Profits of Investment paid?

All profits could be withdrawn on a 3-months basis. Profits will be paid by at the end month of the 4th month & paid directly to the client’s nominated bank account.

15. How does Jarvis Ventures compare to other investment advisors?

Like Jarvis Ventures, most investment advisors use technology to recommend a portfolio and automate the investment process. Jarvis Ventures doesn’t stop there. We’re designed to help you identify your financial goals, choose a portfolio for each of your goals, automate your savings, and keep your fees low. Then, when you have questions, our Country Relationship Managers from our Support and Advice teams are ready to answer any doubts or queries you may have via our email system.

In other words, Jarvis Ventures aims to help you answer, “How can I be a smarter, better investor across my finances?” while other investment advisors only answer “What should my portfolio look like?”

Jarvis Ventures’ advice comes with no minimum balance and low, straightforward fees.

16. How is Jarvis Ventures regulated to keep investors’ money safe?

Jarvis Ventures is a Labuan FSA registered company based in Labuan, Malaysia. We offer advice as a fiduciary, and we help you manage your money. We do this work as the legal entity – Jarvis Ventures Limited, which has offices both in Hong Kong & Labuan, Malaysia.

17. What investments does Jarvis Ventures offer?

For each of your financial goals, Jarvis Ventures recommends a specific forex to equity to stock allocation of our recommended portfolio strategy. This portfolio strategy is designed to reflect the total world market to help maximize expected returns while minimizing risk.

18. What are the processes to invest my money with Jarvis Ventures?

Above diagram is a simple to understand an end-to-end processes available to make cash deposits or transfers.

19. How do I determine my investment risk tolerance?

You can make use of our “Investor Suitability Assessment Form (ISAF)” made available at our website. The questionnaire will assist you find out more about your investment risk tolerance.

20. What happens when I deposit money with Jarvis Ventures?

When you deposit money with Jarvis Ventures, your money will be transferred to a broker-dealer, with instructions to buy or trade between forex, stocks and equity (Jarvis Ventures’ three investment baskets). Jarvis Ventures recommends these three baskets managing the buying and selling for you.

Your funds will be invested after a 1-month cooling off period. Ex: If a new investment is received on 31 March 2020, the new investment will be active from 1 May 2020. The time is inclusive of the 7-days of cooling period where you may decide to cancel your new investment. Please take note there will be a 1% administrative charges of new investment. The “Withdrawal of Investment during “Cooling-Off Period” form is made available from our website.

As Jarvis Ventures is a long-term trading and investment platform, we do not keep your funds in cash, nor do you select specific securities to purchase.

21. Do you offer cheques or wire transfers for deposits or withdrawals?

Jarvis Ventures does not offer personal cheques for deposits and withdrawals. But we offer and provide wire transfers for deposits and withdrawals. The primary method of moving money to and from Jarvis Ventures is via electronic transfers with your checking account using the banking network. Transferring money electronically is fast, cost-effective, and safe.

Making deposits and withdrawals with Jarvis Ventures is easy as the click of a button.  From our website the “Investment Registration Form” and “Redemption Form” are available to be downloaded.

For New Registration: Please download and fill up the “Investment Registration Form” (Individual or Corporate), “Investor Suitability Assessment Form (ISAF)”  and “Personal Data Protection Form”. Email the signed documents to [email protected]

We will get in touch with you!

For Redemption of Investment: Please download and fill up, sign & email back to us 1-month prior to end of contract/tenure. Once the Redemption Form is received, we will credit to your nominated bank account within 30-days. You will be notified via email on the payment.

If any doubts do reach out to our support team at [email protected] for wire instructions, withdrawals of profits or redemption of investment.

22. How can I get help when I need it?

We work hard to offer many insightful resources and help articles to let you access the help you need. We also have a knowledgeable Customer Support Team available five (5) days a week to help answer your questions about Jarvis Ventures and your investment account. We offer support via email.

Sign up today to get started or contact us with your any additional questions you may have for us.

Investment FAQ