What is Ruth?
Ruth provides increased exposure in the stock market by offering access to low-cost, non-recourse capital and investing in low-fee market index products.
How does Ruth provide increased market exposure?
You fund a Ruth account, and Ruth combines your funds with non-recourse loan proceeds. This combined amount is then invested in ETFs designed to track the performance of the S&P 500.
What are the key benefits of investing with Ruth?
Increased exposure, no recourse, no hidden fees, and no volatility decay. Ruth aims to supercharge S&P investment potential while reducing some of the operational risks associated with traditional margin lending.
Are there risks associated with leveraged investing?
Yes. Leverage can help your money grow faster, but it also means losses can happen faster. Ruth uses non-recourse financing and a lending structure that avoids the day-to-day margin calls typically associated with traditional margin accounts. Still, it's important to understand that price swings, both up and down, will have a bigger impact on your account when you use leverage.
What are the expenses associated with the Ruth Investment Project?
Expenses are limited to an investment advisory fee, interest expense on the leverage, and certain costs charged by our broker-dealer and qualified custodian.
What is "non-recourse capital"?
Non-recourse capital means that the borrower (you) is not personally liable for the loan beyond the collateral provided (your investment account). Ruth is disrupting margin lending.
Is there a risk of margin calls?
Ruth's lending structure is designed to avoid the day-to-day margin calls typically associated with traditional margin accounts.
Ruth does not impose maintenance margin requirements based solely on normal day-to-day changes in the value of your investments.
What kind of investment products does Ruth offer?
Currently Ruth only offers investment into the S&P 500. Additional investments are coming in the future.
Is Ruth suitable for long-term investment?
Yes, Ruth is intended for you to set and forget. Ruth positions itself as a long-term investment that tracks the performance of the S&P 500.
A long-term path, built for you.
Join the early access waitlist and we'll be in touch the moment Ruth opens.