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Written by Sam Pennington on April 27, 2021
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Titan Invest Review 2021: Best Investing Platform?

You may have heard that the world of investing is not quite equitable. If so, you'd be right. Some investors are privy to opportunities and information that the rest do not have access to. So who has access to this information? And how do they get it?

The Securities and Exchange Commission (SEC) has actually created limits to protect novice and intermediate investors. Moreover, accredited investors, or those that have a net worth over $1 million and extensive knowledge of personal finance and investing, have access to certain complex funds and investments that the average investor does not.

Titan was created with this very division in mind. Creators of Titan were not happy that some investors didn't have access to the same investments and opportunities. Thus, Titan was born.

In this complete Titan review, we will cover how Titan works and the pros and cons of the platform.

This review is sponsored by Titan.

Titan Summary
  • Simplicity
  • Account Minimum
  • Account Fees
  • Information and Learning
  • Customization
4.2

Summary

Titan is a great platform for investors looking to invest in a hedge-fund like option with actively managed portfolios. With low account minimums and access to investment decisions, Titan is a premium investment service readily available to all investors.

Pros

  • Actively managed portfolio
  • Strong track record since inception
  • Experienced founding team
  • Low account minimums
  • Low fees compared to typical hedge funds
  • Access to information determining investment decisions of team

Cons

  • Customization of portfolios
  • No customer service phone number
  • No 1 on 1 access to financial advisor or tax strategist

Titan: Highlights

  • Low Account Minimums compared to typical Hedge Funds
  • 1% Annual Fee for accounts over $10,000, $5 per month for accounts less than $10,000
  • Access to Actively Managed Accounts
  • 3 Portfolios with varying strategies
  • Each Portfolio contains 15-25 Stocks
  • Access to investment rationale Titan calls "Courtside Seats"
  • Taxable and IRA Accounts
  • No Lock Ups

Titan is still a young company, though they have certainly had a strong start. Since launch in 2017, their Flagship portfolio has experienced annualized returns of 21%. Their quick start has attracted over 25,000 clients and $500 million in managed assets.

So what is Titan, and is it the right investment platform for you? Let's get started with our complete Titan review.

clay titan

What is Titan?

Titan is an investment management company that gives investors access to an actively managed portfolio with low account minimums. The company was founded in 2017 by a group of individuals with extensive investment and former hedge fund experience. They created the company out of frustration that all investors were not treated equally. Built with the idea that everyone should have access to an actively managed portfolio, Titan is a premium investing service available to all.

Titan is a cross between a hedge-fund and a robo-advisor with a few key differences. First, most hedge funds require accounts minimums of upwards of $100,000. They also typically charge higher fees and take a portion of profits. With low account minimums and much lower fees, Titan is an investment option that anyone can get started with.

Second, a typical hedge fund is managed by individuals that invest from a pool of investors money. With Titan, account holders actually have individual accounts, meaning they own fractional shares of the stocks making up the portfolio rather than pooling their money together with other investors and owning shares of stock as a group.

Third, a robo-advisor typically has multiple portfolio offerings that are made up of various ETFs, mutual funds, etc. Each of the three portfolios Titan offers are made up of 15-25 stocks only.

For those interested in an actively managed portfolio, Titan could be a great choice. An actively managed portfolio is one where a fund manager or team of individuals makes decisions on which investments to buy and sell. Passive investing on the other hand is when an investor purchases an index that tracks other assets.

How Does Titan Work?

Titan identifies investments with software that tracks other hedge funds. Among all of the companies that are publicly traded, Titan then chooses 15-25 stocks that are vetted through a rigorous process. As stated on their website, their process for choosing investments looks for companies with the following:

  • Long Term Competitive Advantage: Titan seeks to invest in companies that have a market advantage such as strong brands and economies of scale.
  • Strong Growth Potential: Companies must have an ability to grow in the long term and sustainably.
  • High Returns on Capital: Companies must be able to demonstrate an ability to give a return to shareholders
  • Margin of Safety: The valuation of a company can be telling. Titan seeks to invest in companies that are trading at a discount.

Each of the three funds that Titan offers investors feature 15-25 stocks. These stocks may change throughout time as Titan identifies new companies with greater potential. Though with a long term investment strategy, Titan seeks to hold various stocks for 3-5 years.

The three investment plans that Titan offers are called Titan Flagship, Titan Opportunities, and Titan Offshore.

Titan Flagship

Flagship was the first portfolio launched by Titan and thereby has the longest track record. It was created in February of 2018 and has had an annualized return of 20.9%.

Titan Flagship is focused on large cap US companies. Is it a mix of 15-25 companies with an average market capitalization of $500 billion.

titan flagship

Titan Opportunities

Launched in August of 2020, Titan Opportunities has had an impressive start with an annualized return of 96.4%.

Titan Opportunities also features 15-25 stocks and is focused on smaller companies. This portfolio currently has an average market capitalization of $9 billion.

Titan Offshore

Titan's latest portfolio offering is Titan Offshore, which focuses on international companies. It was launched on April 6, 2021. This is an exciting new offering for investors looking to diversify their portfolio with international companies.

Like the other two offerings, Titan Offshore will fluctuate between 15-25 stocks. This portfolio currently has an average market capitalization of $157 billion.

What Features Does Titan Offer?

Titan has a few offerings that could make them a great option for investors. One of the key features that makes them unique compared to other hedge funds and robo-advisors is what Titan calls "Courtside Seats." With typical hedge funds and other managed funds, there is little information or reasoning behind an investment decision. With Titan however, investors can remain close to the decisions being made. With consistent videos and newsletters, investors have the opportunity to get an inside view explaining why certain investments are being made. This education can be an excellent resource for investors of all levels.

Another downside of typical hedge funds is something called lock ups. This is a period of time where investors are unable to withdraw their funds to allow hedge fund managers time to exit investments that created an imbalance in the fund. These locks up can extend 30-90 days. With Titan, investors are assured zero lock ups. Withdrawing your funds can be done quickly, easily, and anytime you need. Depositing funds is done instantly, and withdrawing funds take 2-4 days.

Throughout COVID-19, Titan was ranked the number 1 investment advisor. This was because of their shorting feature. Each of their three strategies offer "downside protection that's tailored to individual risk tolerances." This allows Titan members to potentially earn during a market decline.

Additionally, Titan also offers investors Traditional, Roth, and inherited IRAs. Investors can also rollover an existing IRA, 401k, or 403b into a Titan IRA.

How Much Does Titan Cost?

Titan's fee structure is simple to understand. Accounts under $10,000 will pay $5 per month, and accounts over $10,000 will pay 1%.

While these fees are more expensive than other competitors such as Betterment or Wealthfront, Titan offers a unique service of an actively managed portfolio led by stock experts.

Is Titan Secure?

Security is of the highest importance for Titan. They use 256-bit encryption security to protect your personal information. The funds in your account are also SIPC-insured up to $500,000. They are registered with the SEC as an investment advisor. Clearing and custody are handled by Third Party Trade and Apex Clearing.

titan your capital

How to Get Started with Titan?

Signing up with Titan can be done in as little as 2 minutes. After inputting in personal information and answering a few questions, investors can start watching their portfolio immediately.

To create an account, people will have to open a brokerage. The following information will be needed:

  • Name
  • Email
  • Phone number
  • Address
  • Social Security
  • Employment Information

Once the account is created, the next step will be funding the account. For Titan Flagship, the account minimum is $100. Titan Opportunities and Offshore are a bit more at $10,000. The account minimum for an IRA is $500. It is important to ensure the account balance does not fall below the minimum.

Titan Review: Final Thoughts

Though Titan is still a young platform, it has shown great results thus far. With over 25,000 clients subscribed in just a few years, Titan has definitely captured the attention of many.

This platform offers investors a way to engage with an actively managed portfolio. Before Titan, investors seeking an actively managed portfolio often had to turn to hedge funds with extremely high account minimums and fees. Unfortunately, these funds are not even accessible to most investors. Creators of Titan sought to even the playing field and built a platform for everyone.

With low account minimums, investors can get started right away.

Article written by Sam Pennington
Sam is a personal finance writer. While in college, he dedicated his spare time to learning about personal finance, investing, and real estate. Sam currently works as a business analyst for one of the top food manufacturers in the world.

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