Investing, But Calm

Neon Money Club believes your money can do more. That’s why we create products that seamlessly integrate financial wellness into your everyday living, including:

• The Cream American Express Card: The Amex that lets you invest your points directly into the Stock Market with 1-click.

• TIME™ Investing Account: A calm approach to an investment account, powered by 67 years of performance data.

TIME™ is a personal investment account designed with the simplicity of a savings account. Instead of the complexity of picking stocks, your money is invested into an S&P 500 ETF that is intended to perform for the long-term. TIME is offered by Neon Money IA, LLC, a SEC registered investment advisor.

There is no required time commitment, however TIME™ is not meant for people who plan to do day trading or short-term flips. It was made with long-term investing in mind.

1. You want to invest your money for the long term (if you’re looking for instant gains, TIME™ is not for you)

2. You want to invest but investing apps are unnecessarily complicated

3. You want to skip the stress of picking stocks

4. You have money, possibly in Savings, that’s earning you little to no interest 

Most investing apps are complicated by charts, graphs and an overload of options to choose from. With TIME™, we took a different and proven approach that replaces short-term thinking and focuses on a long-term growth mindset.  Time is really your greatest weapon when investing.

No. This is a personal investment account offered by Neon Money IA, LLC a SEC registered Investment Advisory firm.

The TIME™ account is meant for those who are serious about their investment journey. We require a $1,000 minimum deposit to get started.

Monthly fee of $3 or annual fee of 0.5% charged monthly with either (a) recurring deposits of $100 or (b) $10,000 invested.

We take care of that for you. New members set up a user profile and are matched to an S&P 500 ETF that fits their investment profile. Whether your investment style is conservative, moderate or aggressive.

We decided to take a first principles approach to investing by removing the complexity. Meaning that, each investor is matched with an S&P 500 ETF that fits their investor profile. The investor’s profile is made up of risk tolerance, time horizon and other relevant factors. The TIME™ Account is made for equity investors who want to avoid the complication that comes with choosing what the invest in.

We decided to take a first principles approach to investing by removing the complexity. Meaning that, each investor is matched with an S&P 500 ETF that fits their investor profile. The investor’s profile is made up of risk tolerance, time horizon and other relevant factors. The TIME Account is made for equity investors who want to avoid the complication that comes with choosing what the invest in.

The Standard and Poor's 500, or simply the S&P 500, is a stock market index tracking the stock performance of 500 of the largest companies listed on stock exchanges in the United States.

Exchange-traded-funds, or ETFs, invest in a basket of securities, such as stocks, bonds, or other asset classes. ETFs can be traded whenever the markets are open.

All investment comes with the risk of losing money. The more diversified you are (owning stocks from different industries), the better off you’ll be. This is why we match you with an ETF that has hundreds of stocks, as opposed to letting you pick single stocks.

SIPC is a non-profit corporation that has been protecting investors for 50 years. SIPC works to restore investors’ cash and securities when their brokerage firm fails.

Yes. TIME™ is an investment account and should not be treated like a banking account as fees may apply. TIME™ was made with long-term investing in mind.