DIY for your finances: Meet a new, free financial planning site

A brilliant, San Francisco woman founder/CEO has created a new FREE financial platform, YourCapital, and plans to develop it to eventually become an intuitive, AI driven brokerage service. YourCapital uses “meta-data intelligence” to connect the dots for a DIY user. A friend on the East Coast sent this to me and I am thrilled, especially since the founder is a member of MENSA!

Owner Saira Suleman envisions developing a block buster AI platform in the future that will have a natural language processing capability and predictive ability about a customer’s life transitions. I don’t know about you, but I need help planning my children’s college funds, my retirement and so much more. Check this out – and it’s free!

YourCapital, a cutting-edge financial services’ firm, debuts its free online service that offers unprecedented financial transparency and investment guidance to those who self-manage their investment accounts (DIY).

At the most basic level, YourCapital provides the ability for DIY investors to easily and securely connect their existing investment accounts in one convenient place. The service then intelligently adapts to the type of investment portfolio a customer connects. For an all-cash portfolio, YourCapital shows a different set of guidance and transparency than a portfolio chock-full of high fee mutual funds.

Instead of exposing investors to mountains of numbers, YourCapital determines the key data investors need to instantly grasp their financial picture and make educated decisions. For instance, investors can see mutual fund fees at an aggregate, account and fund level to easily determine which funds, in which accounts, are costing the most in fees. YourCapital then automatically searches the universe of funds for cheaper alternatives using its proprietary recommendation engine, saving investors hours and ensuring high fee funds don’t drain investor wealth over time.

YourCapital also automatically performs portfolio risk analysis since DIY investors may not realize hidden portfolio risks and may discover them when markets decline. This risk analysis is performed on three significant dimensions: asset class, stock sector and stock level. Upon discovery, YourCapital, clearly and transparently shows the source of the concentration risk and concrete ways to mitigate it.

Since secure retirement is a crucial life goal, when YourCapital detects a 401(k) or an IRA account, the service recommends retirement analysis as the next logical step. For a quick but accurate analysis, YourCapital has built-in intelligent defaults to certain questions and clearly lays out the analysis. All numbers and charts have intelligent tooltips that clearly explain the math, giving investors’ confidence in the analytics shown. Since retirement shortfall can be addressed by pulling multiple levers, investors can perform a “what-if” analysis to tangibly envision how to achieve a dignified retirement.

Founded by Wall Street powerhouse, Saira Suleman, YourCapital is the first service that targets DIY investors and gets smarter the more investors interact with it. YourCapital aims to develop the next generation of investing platform that algorithmically and intuitively “connects the dots” using customer data in order to guide millions of DIY investors who lack financial literacy but make their own investing decisions.

http://www.yourcapital.net/

“Most people have difficulty figuring out which products have high fees and so they end up investing in high fee funds,” notes founder of YourCapital Saira Suleman. “I created a service that is tailor-made for those who self-direct their investments. Imagine a service where guidance across products is free; where using best portfolio construction approaches, you instantly get a solution that achieves your goals and where using artificial intelligence, things are inter- connected for you. You not only get superior quality guidance for free but you can buy products just like you can through a regular self-directed brokerage as well. That is the brilliance of YourCapital.”

About Saira Suleman:

Saira Suleman is the founder of YourCapital, a free cutting-edge financial services firm offering tailored, expert investment and retirement advice in one holistic portfolio. After emigrating to the U.S. from her childhood home in Pakistan, she received her MBA from Wharton, and worked at Morgan Stanley as an investment advisor to wealthy individuals.