The Hush Manifesto

Financial freedom for everyone

Financial freedom for everyone

Anyone can build financial freedom. It takes time, habits and discipline, but nothing worthwhile comes without effort.

Start early, save what you can each week and invest for the long run. Hush helps you keep your positive habits up by automating it for you. Set aside what you can, when you can, and let us safeguard your growing wealth.

Don't gamble with your future

The first rule of wealth building is to not lose what you have. It's always tempting to go for high returns, but high return always means high risk. Aiming for too high returns is simply gambling and your money is far too important for that.

We adapt your portfolio to fit a risk profile suitable to you.

No one can predict the future

Hush doesn't have a magic crystal ball and we don't attempt to predict the future. We don't do market timing or stock picking. The truth is that no one knows what the markets will do next year.

In fact, over time, all major asset classes have shown about the same risk adjusted performance.

Once we accept those statements, building a long term rational portfolio comes down to just a few key factors.

Diversification, cost and momentum

Participating in all major asset classes all the time helps build a more stable portfolio.

Nobody knows if stocks, bonds or alternatives will be strongest next month. Nobody knows if American stocks or European stocks will do best.

By holding all of it, all the time, we can realize strong risk adjusted performance over time.

The cost of investing is at the same time both the easiest to predict and the most neglected.

We have gone to great length to keep your costs down. Not only your membership fee for Hush, but we have also optimized all other external costs, such as ETF fees and more.

What you save on costs goes towards your future.

Financial markets tend to move in trends. When an asset class or area has been moving strongly for some time, there's a slightly higher chance that it continues than reverses.

This is called the momentum effect.

Your portfolio with Hush will constantly update, to make sure that we increase your holdings of well performing assets and ride those trends.
"If you don't find a way to make money while you sleep, you will work until you die"
‍
Warren Buffett

Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Hush app pricing before investing. Investment advisory services offered by NINE30 Advisors LLC (NINE30), an SEC-registered investment advisor. Securities brokerage services are provided by Alpaca Securities LLC ("Alpaca Securities"), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. Technology and services are offered by AlpacaDB, Inc.

No Guarantee of Wealth Accumulation: The tagline 'Get rich slow' is intended to describe a disciplined, long-term investment strategy and does not guarantee wealth accumulation. Investors should be aware that all investments carry risks, including the potential for loss of principal. Past performance is not indicative of future results. Risk Disclosures for Investment Strategy: Investing in any strategy involves inherent risks, including the risk of loss. The potential for gains or losses depends on market conditions and other factors beyond our control. Clients should carefully consider their financial situation, investment objectives, and risk tolerance before pursuing any investment strategy. Balanced Presentation of Performance: All strategies and past performance data presented in this material are based on historical analysis and are not predictive of future performance. Investments may not perform as expected, and actual outcomes may vary. We do not guarantee future results, and clients should fully understand the risks involved.

A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Hush app. All percentage return numbers or other performance related numbers shown are hypothetical.

Simulated or backtested data represents hypothetical results and is presented for illustrative purposes only. These results do not reflect actual trading and may not be indicative of future performance. Past performance, whether simulated or actual, is not a reliable indicator of future outcomes. Investors should not assume that similar returns will be achieved. All investments carry the risk of loss, and investors may lose some or all their principal. Please review the advisory contract and Form ADV Part 2A Narrative for further details regarding fees, risks, and other important information.

Subscription Fees depend on the end of month value of your portfolio with us and range from free to $5 per month. NINE30 does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. NINE30 does not receive compensation for referring clients or marketing third party services, and thereby avoids such potential conflicts of interest.

‍The ETFs comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.

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NINE30 reserves the right to restrict or revoke any and all offers at any time.

For additional important risks, disclosures, and information, please visit Disclosures

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