The Investment Guide by Inter: Your Complete Market Strategy
Investing in the market can feel complex—even for experienced investors. This guide is designed to help you streamline your investing approach, complement your existing retirement accounts, and explore available investment options with clarity. Many investors use Inter alongside their 401(k), IRA, or employer-sponsored plans to diversify, access fractional shares, and build habits by investing small amounts at your own pace..
Investment Fundamentals for Beginners: Your Guide to U.S. Market Options
Did you know? Many first-time investors underestimate the power of consistency. Investing regularly—even with modest amounts—can help you build habits, understand market behavior over time, and develop your investment strategy.
Why Inter Fits Your Investment Approach
Inter isn’t meant to replace your retirement plans—we’re here to complement them. While we don’t manage 401(k)s or IRAs, the platform provides tools to expand into taxable investments, diversify beyond employer-sponsored products, and access global opportunities through an intuitive investing experience.
Inter may be a good fit if you want to:
● Add flexibility to your existing investment mix
● Buy fractional shares of U.S. and international companies
● Start with as little as $5
● Use clear digital tools to monitor your investments
Streamline Your Investment Strategy with Inter
The U.S. market offers a wide spectrum of investment options. Below is an overview of common asset types and how they’re supported within Inter.
Comparison Table – U.S. Investment Options
*Note: Inter does not offer retirement accounts or Certificates of Deposit (CDs).
**Fees and commissions apply. View our full fee schedule here.
Inter’s Ecosystem: All in One App
Inter brings together multiple investment paths in a simple, intuitive environment—so you can learn, explore, and manage your finances without switching between platforms.
Here’s what you can access directly through the Inter app:
Stocks & ETFs
Buy and sell U.S.-listed stocks, ETFs, ADRs, and select fixed-income products. Fractional shares allow you to begin with small amounts—starting at just $5—and the app provides real-time data, news, and insights to help you stay informed.
Easy Invest Portfolios
These expert-built portfolios adapt to different investor preferences—diversification, stability, or long-term growth potential—offering a thematic, risk-adjusted mix of assets through a simple, automated experience.
Dividends & International Exposure
With access to global companies, ADRs, and ETFs, Inter allows you to explore sectors across the world. If you choose dividend-paying companies or funds, dividends can become part of your investment approach.
Easy Invest vs. Traditional Investing: Key Advantages Explained
Digital tools within the Inter app
Inter also offers a set of digital tools designed to help you stay organized and understand what’s happening in your account. The app gives you clear access to your activity, balances, and market updates, so you can monitor your investments at your own pace.
Remember that these tools support your decision-making, but they don’t predict or assure any outcomes.
Building Your Strategy
Your investment plan should reflect your goals and risk tolerance—not someone else’s timeline.
Short-, Medium-, and Long-Term Goals
● Short-term (<1 year): Focus on stability and liquidity.
● Medium-term (1–5 years): Balanced approach with moderate risk.
● Long-term (5+ years): Growth-oriented assets with higher volatility tolerance.
Risk vs. Return
Higher-risk assets may offer greater return potential, but also experience more volatility. More conservative choices may offer stability but typically lower returns. Choose what aligns with your comfort level.
Easy Invest as a Starting Point
If you prefer a simple way to begin, Easy Invest portfolios can help you understand diversification and asset allocation. As you gain experience, you can explore individual stocks, ETFs, or other opportunities on Inter.
Getting Started with Inter
Before you begin investing, it’s important to make sure you’re financially prepared and clear on how each step works. A simple pre-investment checklist can support your decision-making as you get started:
● Review your available funds: Only invest money you won’t need for immediate expenses.
● Evaluate your debt situation:High-interest debt can limit your financial flexibility; consider addressing it before taking on additional investment risk.
● Define your time horizon: Short-, medium-, and long-term goals may require different types of assets and risk levels.
● Understand your risk tolerance: Think about how comfortable you are with market fluctuations and potential losses.
Inside the app, you’ll find transparent details about fees, commissions, and product information so you always know what to expect before completing a trade.
It’s also important to understand how protection works. Most investment products are not FDIC insured, meaning their value can rise or fall depending on market conditions. However, certain investment accounts may be SIPC protected, which helps safeguard securities and cash in brokerage accounts up to applicable limits.
Meanwhile, cash deposits held in Inter accounts are FDIC insured up to allowed limits, offering protection for the money you hold outside the market.
For complete regulatory details, you can access:
● Form CRS
Additional Tools for Smarter Investing
Inter provides:
● Performance tracking
● Activity reports
● Customizable alerts
● Educational content
● An intuitive dashboard to monitor your entire portfolio
Conclusion
Investing is a long-term journey—one built on discipline, consistency, and informed decisions. The market will fluctuate, and no strategy can eliminate risk, but progress becomes more achievable when you stay engaged and adapt your plan as your goals evolve.
Inter is here to support your experience with clear information, accessible tools, and an environment that lets you explore and understand your options. With the right guidance and continued learning, you can build an approach that fits your financial life.
Ready to explore your investment options? Open the Inter app and start building a strategy that works for you.
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
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Securities brokerage services provided by Inter&Co Securities LLC (“Inter Securities”), member of FINRA/SIPC. clearing through DriveWealth, LLC and Pershing LLC. Inter Securities is a wholly owned subsidiary of Inter US Holding Inc.
Inter Securities provides United States securities brokerage services to customers of Inter Distribuidora de Títulos e Valores Mobiliários Ltda. (“Inter DTVM”), a Brazilian securities dealer authorized by the Brazilian Securities Commission and the Central Bank of Brazil. As per CVM Guidance Opinion nº 33, dated 09.30.2005, Inter Securities entered into an agreement with Inter DTVM through which Inter DTVM intermediates the services of Inter Securities to investors resident, domiciled, or incorporated in Brazil (“Brazil Investors”). The CVM jurisdiction is limited to the Brazilian territory and its supervisory power is limited to Inter DTVM. Inter DTVM’s services should not be understood as an offering of securities directed to Brazil Investors. Brokerage services for assets listed in the United States are provided exclusively through Inter Securities, without interference from Inter DTVM.
