Frequently Asked Questions
Answers to common questions about values-based investing with Ethical Capital, a state-registered RIA. Learn about our process, fees, and account minimums.
Common questions about how we work, what we charge, and what to expect.
How We Invest
How often do you trade?
We're gardeners, not day traders. Here's what that means in practice.
Read more →What Is Active Share?
Active share measures how different your portfolio is from the index. Ours is 95–98%.
Read more →Why don't you use ESG benchmarks?
Why we benchmark against the MSCI ACWI instead of 'sustainable' indices.
Read more →Your Account
Due Diligence Information
Regulatory disclosures, investment process documentation, and how to request more.
Read more →Other
Can I request my own exclusions?
Yes. Your values are the second layer of screening.
Read more →Can I roll over my 401(k)?
Yes. We create a Rollover IRA that matches the tax treatment of your existing account.
Read more →How do I set up Recurring Deposits?
Step-by-step guide to setting up automatic recurring deposits through Altruist.
Read more →How do you measure performance?
We target inflation plus 5% over the long term and report against the MSCI ACWI.
Read more →How Long Does Account Setup Take?
Complete timeline and requirements for new account setup from initial consultation to full investment.
Read more →How to Transfer Your Accounts
Complete guide to transferring existing retirement and investment accounts to Ethical Capital.
Read more →Investment Minimums and Fees
How our fee structure works and what to expect from custodial costs.
Read more →Lump Sum vs. Monthly Investing
Monthly contributions are arithmetically superior for most people.
Read more →Returns vs. Values Alignment
The honest trade-off between ethical purity and statistical predictability.
Read more →What if I Need This Money Soon?
Money with a short time horizon hasn't consented to market volatility. Here's how we handle it.
Read more →What is Ethical Capital LLC?
Learn about Ethical Capital's mission as a Utah-registered investment adviser.
Read more →Which Companies Do We Exclude?
Overview of product-based and conduct-based exclusion criteria.
Read more →Why do you run concentrated portfolios?
Concentration is the only way to truly understand what you own.
Read more →