How to actually invest in AI
You have probably used a chatbot. You have definitely heard that AI is going to change everything. What nobody explains is how investing in AI works.
Here is the thing about "investing in AI." There is no single AI company. You cannot buy a share of The Artificial Intelligence Corporation, because it does not exist.
What exists instead is a long chain of very different businesses, each doing one job. Some make the physical chips. Some write the software. Some build power plants. Some make the app on your phone. They all need each other, and they do not all win at the same time.
The good news is that you do not have to correctly guess which single company wins. You can own a slice of the whole chain instead.
Think of AI as a building with four floors using ETFs.
The four floors of AI
Each floor does a different job. Here is what the Beanstox AI Portfolio holds, floor by floor.
1. Chips and memory (BAI ETF)
AI runs on physical hardware. Not just the famous processors, but memory chips too, which are basically the notebooks AI scribbles in while it thinks. See the fund
2. Data and software (AIQ ETF)
AI is useless without enormous piles of organized information, plus the software that sorts it. See the fund
3. Power and electricity (AIPO ETF)
The least glamorous floor, and possibly the most necessary. Data centers are hungry for power, so somebody has to build the grid, the turbines and the buildings. Many companies in this ETF focus on this. See the fund
4. Chatbots and applications (CHAT ETF)
The companies that build models and platforms behind the tools you use, from the big names like Alphabet, Microsoft and Amazon to newer model builders you have probably never heard of. See the fund
Why the long game is important
Nobody knows which segment of the AI economy will perform best over time. Guessing right is hard, even for the pros. Owning several parts of the AI economy means you do not have to guess.
But here is the part that often trips people up. Patience is needed so investors should think long-term. Share prices do not climb in a straight line, they go up and down.
Illustration of the shape of long term investing, not a forecast. The line shows no specific fund, no actual returns and no projected returns. Real results can be worse than this, including losing money over long stretches.
Notice the dips. They are not a bug in the drawing, they are the whole reason patience may be rewarded. If you add a small amount on a regular schedule, those dips are where your money quietly buys more shares than usual. You do not have to be clever about timing. You just have to keep showing up and invest for the long term.
A word about the risks
Blog posts about AI should also mention risks. Here are a few:
Prices are already optimistic
Some AI stocks in these ETFs trade at high valuations meaning stock prices are high compared to the company metrics like sales or earnings. High expectations are already baked in, which could leave less room for good news and more room for disappointment.
These funds are concentrated on purpose
Investing in an AI portfolio could mean concentration in certain stocks or industries which means less "diversification".
The swings can be large
Tech and growth stocks in AI related industries may experience bigger price swings.
Is AI in a bubble?
The honest answer on whether AI is in a bubble is that nobody knows yet.
How to think about investing in AI
Four rules of thumb:
Only invest money you will not need soon. If you might need it inside of five years, you could consider a lower risk option like one of the conservative Beanstox Wealth Builder portfolio or Beanstox Power Savings.
Small and regular beats big and dramatic. Investing a set amount on a schedule takes the guesswork out and helps build your AI investment over time.
A theme is a side dish. An AI portfolio is a slice of a bigger plan, not the whole plan. Consider starting with a Traditional IRA or Wealth Builder account and using AI as a complement.
Expect the drops. Deciding now that you will sit through them is one of the most useful thing you can do today.
You can start the non-discretionnary Beanstox AI Portfolio with $10. Start small and grow over time.
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Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 06/30/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of June 30, 2026: traditional US Savings Account Rate: 0.38% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.56% (as of 7/20/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of June 30, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
9. Beanstox AI (BX AI) is a non-discretionary portfolio and should not be considered to be a recommendation. Investing in artificial-intelligence-focused equities is speculative and can be highly volatile, and is only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. The portfolio is concentrated in a small number of AI-focused ETFs whose underlying holdings overlap in a few large companies, so the portfolio carries single-name and thematic concentration risk and may move sharply with the AI sector. Certain underlying funds may hold private or recently-private companies whose valuations are updated infrequently, creating valuation-lag and liquidity risk. Although exposure to AI can help diversify your investments for the long term, it carries significant risk. Generally, you may want to consider limiting your AI allocation to no more than 5% of your investments. Beanstox does not provide direct access to invest in AI companies; AI exposure is provided through ETFs. This is considered a high-risk investment given the speculative and volatile nature of the theme. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 06/30/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of June 30, 2026: traditional US Savings Account Rate: 0.38% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.56% (as of 7/20/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of June 30, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
9. Beanstox AI (BX AI) is a non-discretionary portfolio and should not be considered to be a recommendation. Investing in artificial-intelligence-focused equities is speculative and can be highly volatile, and is only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. The portfolio is concentrated in a small number of AI-focused ETFs whose underlying holdings overlap in a few large companies, so the portfolio carries single-name and thematic concentration risk and may move sharply with the AI sector. Certain underlying funds may hold private or recently-private companies whose valuations are updated infrequently, creating valuation-lag and liquidity risk. Although exposure to AI can help diversify your investments for the long term, it carries significant risk. Generally, you may want to consider limiting your AI allocation to no more than 5% of your investments. Beanstox does not provide direct access to invest in AI companies; AI exposure is provided through ETFs. This is considered a high-risk investment given the speculative and volatile nature of the theme. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 06/30/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of June 30, 2026: traditional US Savings Account Rate: 0.38% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.56% (as of 7/20/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of June 30, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
9. Beanstox AI (BX AI) is a non-discretionary portfolio and should not be considered to be a recommendation. Investing in artificial-intelligence-focused equities is speculative and can be highly volatile, and is only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. The portfolio is concentrated in a small number of AI-focused ETFs whose underlying holdings overlap in a few large companies, so the portfolio carries single-name and thematic concentration risk and may move sharply with the AI sector. Certain underlying funds may hold private or recently-private companies whose valuations are updated infrequently, creating valuation-lag and liquidity risk. Although exposure to AI can help diversify your investments for the long term, it carries significant risk. Generally, you may want to consider limiting your AI allocation to no more than 5% of your investments. Beanstox does not provide direct access to invest in AI companies; AI exposure is provided through ETFs. This is considered a high-risk investment given the speculative and volatile nature of the theme. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 06/30/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of June 30, 2026: traditional US Savings Account Rate: 0.38% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.56% (as of 7/20/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of June 30, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
9. Beanstox AI (BX AI) is a non-discretionary portfolio and should not be considered to be a recommendation. Investing in artificial-intelligence-focused equities is speculative and can be highly volatile, and is only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. The portfolio is concentrated in a small number of AI-focused ETFs whose underlying holdings overlap in a few large companies, so the portfolio carries single-name and thematic concentration risk and may move sharply with the AI sector. Certain underlying funds may hold private or recently-private companies whose valuations are updated infrequently, creating valuation-lag and liquidity risk. Although exposure to AI can help diversify your investments for the long term, it carries significant risk. Generally, you may want to consider limiting your AI allocation to no more than 5% of your investments. Beanstox does not provide direct access to invest in AI companies; AI exposure is provided through ETFs. This is considered a high-risk investment given the speculative and volatile nature of the theme. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved
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Unless indicated differently, data is as of 06/30/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of June 30, 2026: traditional US Savings Account Rate: 0.38% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.56% (as of 7/20/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of June 30, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
9. Beanstox AI (BX AI) is a non-discretionary portfolio and should not be considered to be a recommendation. Investing in artificial-intelligence-focused equities is speculative and can be highly volatile, and is only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. The portfolio is concentrated in a small number of AI-focused ETFs whose underlying holdings overlap in a few large companies, so the portfolio carries single-name and thematic concentration risk and may move sharply with the AI sector. Certain underlying funds may hold private or recently-private companies whose valuations are updated infrequently, creating valuation-lag and liquidity risk. Although exposure to AI can help diversify your investments for the long term, it carries significant risk. Generally, you may want to consider limiting your AI allocation to no more than 5% of your investments. Beanstox does not provide direct access to invest in AI companies; AI exposure is provided through ETFs. This is considered a high-risk investment given the speculative and volatile nature of the theme. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved