Motif Investing Margin Interest Rates



Motif Investing Margin Rates


Debit Balance Margin Rate
$0 - $9,999 9.25%
$10,000 - $49,999 8.75%
$50,000 - $99,999 8.25%
$100,000 - $249,999 7.75%
$250,000 - $499,999 7.25%
above $500,000 6.75%

The interest base rate at Motif Investing is set at sole discretion with reference to commercially recognized interest rates, such as the broker call loan rate. Base rates are subject to change without prior notice.


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Motif Investing Review


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Motif Investing Overview


Motif Investing is a relatively new player in the online discount broker space. They were established in 2012 by a former Microsoft executive and had early funding from Goldman Sachs. Their pitch was something entirely unique to the consumer investing space: “motifs”. A motif is a collection of up to 30 stocks or ETFs bundled together into a sort of mini fund. Clients are then allowed to purchase this whole bundle for a low $9.95 commission. This allows the client to build a portfolio around a sector, investing strategy, or any other idea and create their own product. This has never been done before.


Motif Investing Commissions and Fees


Motif Investing compares very well to its peers in terms of overall pricing. They are, however, positioning themselves a little differently than the average online “discount” broker in that they offer the capability to purchase the bundled-stock motif. They also offer a subscription model that allows clients more flexibility for motif purchasing and rebalancing. Current Motif Investing margin interest rates are about average in the brokerage industry.

Unfortunately, Motif has no capability to invest in instruments such as options and mutual funds.

Here is a breakdown of the commission costs:

  • Stock trades: $4.95/trade
  • Entire Motif trades: $9.95/trade*
  • Motif rebalances: $9.95
  • Buy/Sell stock in motif: $4.95
  • ETF trades: $4.95/trade

*This trade type is the same price regardless of whether the motif contains 2 stocks or 30.

Here is how their single-stock trade pricing compares to other popular online brokers:

- Motif - $4.95

- E*Trade - $6.95

- TD Ameritrade - $6.95

- Scottrade - $6.95


Fees


Fees under Motif Investing are relatively light. Here is structure of notable fees: $25 – Wire Transfers Out $65 – Full Account Securities Transfer Out $25 – Returned check or ACH $25 – Stop Payment on Check $15 – Check copies $25 – Overnight mail $2 – Paper statements $45 – Broker-assisted trades $95 – IRA Account Termination


Review of Features


Motif Investing is a little bit different than other online brokers in the sense that they do not focus on giving the client access to lots of tools for technical analysis and research. They instead focus on their unique motif offerings and creating a community around investing that allows customers to get involved in the motif creation process. There is also no account minimum to start investing, but to trade a motif you will need at least $300.

Motif offers a full range of account options: non-retirement accounts (individual, joint, trust, and guardian), and retirement accounts (traditional, Roth, Rollover, and SEP).


Motif Investing Website


Motif Investing margin rates are as of 2017 and are subject to change. For the most recent information on Motif Investing margin interest rates go to their website:


Motif


Updated on 6/14/2017.




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