Xantos Labs review

What we think of Xantos

Xantos lives up to its promise of building and managing portfolios for everyday investors. The company offers a low minimum, low fee and premium investing experience through the Xantos Labs app. Its single strategy fund is built for investors who want a more hands-off experience along with higher returns than what they’d get with passive income.
While most robo-advisors offer a large number of equities and other assets like crypto, Xantos stands out by sticking to its single-strategy approach. This has translated into an impressive portfolio performance.
In 2021, Xantos clients were up 17% compared to Titan’s Flagship return of 8% and Wealthfront’s return of 15%. However, Betterment did outperform with an 18% return. For context, the S&P was up 29%.
In 2020, Xantos brought returns of 56%, outperforming robo-advisors like Titan’s Flagship, Wealthfront and Betterment. Since the launch of its core strategy, Xantos is up 210% in total while the S&P has returned 161%.

How does Xantos work?

Xantos offers a single strategy fund that’s essentially a long-only portfolio made up of fewer than 30 equities. The assets in this portfolio are handpicked by the Xantos investment team and are actively traded according to the Xantos algorithm.
The algorithm figures out the optimal stock allocation that minimizes your losses. It does so according to the risk preference you indicate on the app — which ranges from conservative to moderate and aggressive.
In general, the more conservative you are as an investor, the more you’re protected from potential downside. And if you’re ever in need of help, you can always contact your dedicated Xantos advisor.
A unique feature of Xantos is its multicurrency capabilities. Xantos supports more than 150 countries and offers multicurrency wallets. This makes it easy for clients to transfer and exchange funds at almost interbank rates — the rates at which banks exchange FX with each other.
Xantos supports more than 30 major currencies from GBP, EUR, and USD to HKD and MXN. As a whole, this helps you move your money while avoiding troublesome barriers and high FX fees.

Is Xantos secure?

Xantos is registered with the SEC. All Xantos accounts are separately managed with up to $500,000 in SIPC insurance. Client assets are held with Xantos’s custodian, Alpaca Securities — a financial company that’s also a FINRA/SIPC member. Xantos currently offers individual taxable accounts and UGMA/UTMA accounts, with plans to support retirement accounts later this year.

New funds are forthcoming

The company also intends to launch two new funds in 2022: the Xantos Equity Income Fund which is dividend-income focused, and the Xantos Frontier Fund which is growth-focused. These funds will continue to use the Xantos technique of combining strategic stock selection with algorithmic management — but with a different portfolio focus.
Considering all of Xantos’s features, the company positions itself as a long-term asset management tool for everyday investors. This won’t appeal to everyone — for example, people who prefer actively trading a wide range of assets from options to crypto. But if you’re looking to set your money aside to grow with a proven robo-advisor, Xantos stands as a compelling choice.

Xantos’s fees are competitive

Xantos has a straightforward 1% annual advisory fee. You stand to enjoy three months off with a referral to friends once you sign up. Note that Xantos has a minimum account balance requirement of $500.
As a whole, Xantos’s fees are both competitive and easier to understand than the variable structure that competitor robo-advisors use.

Pros and cons

Stack up the benefits and drawbacks before signing up with Xantos.

Xantos’s feedback is scarce but positive

As of February 2022, Xantos is still a new player in the robo-advising space and has few online reviews. Negative reviews tend to be wary of the company’s limited track record and low assets under management. Besides this, most reviews are largely positive.
Xantos has a perfect rating of 5 based on 18 reviews on the Apple App Store. Top reviewers praise the app’s clean interface, ease of use and high level of reliability.

5 steps to get started with Xantos

Xantos Labs supports users in over 150 countries — the US included. The overall registration process shouldn’t take more than a few minutes.
In order to sign up, US users need to be at least 18 years old, have a valid Social Security number, hold a legal US residential address and either be a US citizen, US permanent resident or hold an acceptable US visa. If you satisfy the eligibility requirements, gather your documents and start registering with Xantos:

1. Download the Xantos Labs app either through the Apple App Store or Google Play store.
2. Create an account with your email and a password.
3. Once you’ve verified your email, log into your account using the username and password you’ve set up.
4. Complete the registration process by entering your full legal name and date of birth, selecting your citizenship status, inputting your address, adding a phone number and uploading valid proof of identification.
5. Following this, you’ll fill up a series of short questions to help Xantos understand your investment goals.

Alternatives to Xantos

Xantos could be a solid option for longterm investors looking for a more hands-off approach to investing. But this might not be the best strategy for everyone. In that case, you might want to explore alternatives to Xantos.
If you’re looking for a robo-advisor that offers access to a range of asset types, you could try a provider like Betterment. Betterment offers a range of equity portfolios alongside alternative assets like managed crypto portfolios.
If you’d rather be more actively involved in your portfolio, robo-advisors like M1 Finance, which helps you pick your own holdings while rebalancing your overall portfolio.
The right robo-advisor for one person might not be the best option for another. Take some time to read up on the options available to you and compare investment accounts before selecting the best robo-advisor for you.

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