About Us – Sunstate Invest
Sunstate Invest is an investment advisory firm based in Miami that, through strategic alliances with BlackRock as the provider of portfolio models and Interactive Brokers as the custodian of assets, offers access to different investment portfolios.
Yes. Sunstate Invest, LLC is a RIA (Registered Investment Advisor) and is regulated by the SEC (Securities and Exchange Commission), the agency responsible for overseeing the investment market in the United States.
Our mission is to be the digital platform that supports residents and foreigners in achieving their financial goals. We combine cutting-edge technology, strategic partnerships with renowned institutions, and a highly qualified team. Our commitment is to offer trust and transparency, continuously innovate, and meet the financial needs of each client.
Sunstate Invest stands out for its transparency, convenience, security, efficiency, and professional management.
- Sunstate Invest stands out for its transparency, convenience, security, efficiency, and professional management.
- Convenience: The Sunstate Invest app brings together, in one place, different solutions to meet the client’s offshore financial needs.
- Security: Sunstate Invest has advanced cyber protection, uses 256-bit encryption, and is a regulated entity registered with the SEC (U.S. Securities and Exchange Commission). Additionally, Interactive Brokers offers coverage of up to USD 500,000 per client through SIPC.
- Tax Efficiency: We use UCITS ETFs as financial instruments because they offer greater tax efficiency for foreign clients by accumulating gains instead of distributing them periodically, reducing the incidence of taxes on dividends and providing greater tax deferral. Additionally, UCITS are widely recognized for their transparency, liquidity, and regulatory compliance, making them a safe and efficient choice for those investing abroad.
- Professional Management: Partnerships with institutions like BlackRock and Interactive Brokers reinforce trust and ensure high-quality professional financial service.
About Opening an Account
No. You do not need a bank account in the United States to invest with Sunstate Invest.
You can send funds from a bank account in your country of residence, as long as the account is in your name.
Third-party deposits are not allowed
You can send funds from a bank account in your country of residence, as long as the account is in your name.
Third-party deposits are not allowed
To open your account, you will need to:
- Be a tax resident of a Latin American country or a resident of the United States.
- Have a valid identification document.
- Submit a proof of residence (e.g., utility bill, bank statement, etc.).
- Access the Sunstate Invest website or app (iOS and Android).
- Click on "Open your account".
- Answer a few questions to identify your risk profile.
- Fill in your personal and financial information.
After completing the registration, your information will be analyzed by the Sunstate Invest compliance team and then by Interactive Brokers — a process that takes 3 to 5 business days.
You will receive:
You will receive:
- An email confirming the start of processing
- Another email when your account is approved
- If any additional documents are needed, we will contact you by email.
If you need help, our support team is always available.
Yes. Sunstate Invest allows the opening of joint accounts (Joint Account) with up to two holders. These accounts are set up with right of survivorship (JWRS – Joint With Right of Survivorship).
The second holder must be included at the time of account opening, presenting identification document and proof of address.
After opening, it is not possible to add a new holder.
The second holder must be included at the time of account opening, presenting identification document and proof of address.
After opening, it is not possible to add a new holder.
Deposits, Withdrawals, and Movements
You can send funds via bank transfer.
After opening the account, you will receive a welcome email with all the instructions and bank details.
Third-party deposits are not accepted.
After opening the account, you will receive a welcome email with all the instructions and bank details.
Third-party deposits are not accepted.
Yes. You can withdraw funds at any time, without penalties.
- The processing time is 3 to 5 business days.
- Sunstate Invest does not charge withdrawal fees.
- The first withdrawal of the month is free.
- From the second withdrawal onwards, Interactive Brokers charges USD 10 per withdrawal.
- Note: intermediary banks or receiving banks may charge their own fees, and local taxes may apply.
There are no minimum or maximum amounts for deposits and withdrawals.
Custody and Security
Yes. Your assets are held in custody at Interactive Brokers.
Therefore, when you open an account with Sunstate Invest, a corresponding account is automatically created at Interactive Brokers.
Therefore, when you open an account with Sunstate Invest, a corresponding account is automatically created at Interactive Brokers.
Yes. All investments involve risk.
When markets go up, the value of your account tends to go up.
When markets go down, the value of your account tends to go down.
Volatility is normal in the short term, but historically, in the long term, investments tend to appreciate.
When markets go up, the value of your account tends to go up.
When markets go down, the value of your account tends to go down.
Volatility is normal in the short term, but historically, in the long term, investments tend to appreciate.
Your capital is held in custody by Interactive Brokers LLC, a broker registered with FINRA and regulated by the SEC.
Accounts are protected by SIPC coverage up to USD 500,000 per client.
More information: www.sipc.org.
Accounts are protected by SIPC coverage up to USD 500,000 per client.
More information: www.sipc.org.
Fees and Costs
Annual fees are based on the invested amount:
- Up to USD 100,000: 1.75% per year
- From USD 100,001 to 500,000: 1.65% per year
- From USD 500,001 to 1,000,000: 1.25% per year
- Above USD 1,000,000: 1.10% per year
- Fees include all transactions, rebalancing, and portfolio adjustments.
The calculation depends on the type of account (cash or margin).
- The fee is calculated automatically.
- The amount is based on the daily closing of the previous month's assets.
- The annual fee is divided by 252 business days.
- At the end of the month, the daily amounts are summed up.
- The fee is calculated manually by BCP Global.
- It is based on the average market value on the first and last business day of the previous month.
- The annual fee is divided by 252 and multiplied by the business days of the month.
Investments and Performance
Normally, funds are invested on the next business day, according to the selected portfolio.
Account Closing
Yes. You can close your account whenever you want, without penalties. The process takes 3 to 5 business days.
Access, Password, and Reports
Access the website or app and click on "Forgot your password?".
Enter the registered email address and you will receive instructions to reset your password.
Enter the registered email address and you will receive instructions to reset your password.
When you access the Sunstate Invest portal, go to the "Statements" tab, where your monthly statements will be available.
Yes. To request an annual report, or for specific periods, just contact our support team.
On the Sunstate Invest portal, go to the "Activity" tab, where you can find the history of deposits and withdrawals.
Sunstate Invest App
You can download the Sunstate Invest app for both iOS and Android from the respective official stores (App Store and Google Play).
To enable biometric login:
- Open the Sunstate Invest app.
- Access the menu in the upper corner.
- Select "Settings".
- Enable the "Facial Recognition / Fingerprint" option.
- Done — next time, you can enter the app quickly and securely.
Investment Portfolios
Our investment philosophy is based on two fundamental principles:
1. Modern Portfolio Theory
Based on the work of Harry Markowitz, this theory explains how to maximize returns for a desired level of risk, or reduce risk for an expected return, through the proper combination of assets.The central idea is to look at the portfolio as a whole — combined risk and return — and not select assets in isolation.
2. Passive Index Investing
This principle argues that trying to predict the market or consistently picking "winning" stocks is unlikely to generate superior returns in the long term.
Therefore, our portfolios use instruments that replicate indices, offering diversification, consistency, and efficiency.Portfolios are designed to reflect your risk level, are globally diversified, and use UCITS ETFs, which offer good liquidity, transparency, and tax efficiency.
1. Modern Portfolio Theory
Based on the work of Harry Markowitz, this theory explains how to maximize returns for a desired level of risk, or reduce risk for an expected return, through the proper combination of assets.The central idea is to look at the portfolio as a whole — combined risk and return — and not select assets in isolation.
2. Passive Index Investing
This principle argues that trying to predict the market or consistently picking "winning" stocks is unlikely to generate superior returns in the long term.
Therefore, our portfolios use instruments that replicate indices, offering diversification, consistency, and efficiency.Portfolios are designed to reflect your risk level, are globally diversified, and use UCITS ETFs, which offer good liquidity, transparency, and tax efficiency.
Your money is invested according to the risk profile defined during account opening.
Based on the answers to the questionnaire, a portfolio is recommended for you — but if you prefer, you can choose another option.
After that, you can change your portfolio whenever you want, with no costs or restrictions.
Every time you switch portfolios, rebalancing is done automatically.
Based on the answers to the questionnaire, a portfolio is recommended for you — but if you prefer, you can choose another option.
After that, you can change your portfolio whenever you want, with no costs or restrictions.
Every time you switch portfolios, rebalancing is done automatically.
The risk profile is determined by your:
● investment experience
● age
● investment horizon
● financial goals
● ability to bear losses / volatility tolerance
With this information, we identify the portfolio that best suits your needs and return expectations.
Even so, you can choose any portfolio, regardless of the recommendation.
● investment experience
● age
● investment horizon
● financial goals
● ability to bear losses / volatility tolerance
With this information, we identify the portfolio that best suits your needs and return expectations.
Even so, you can choose any portfolio, regardless of the recommendation.
Sunstate Invest offers 4 portfolio families, and within each of them there are options with different risk levels, mainly varying in the proportion between:
● Fixed income
● Variable income (stocks)
In addition, there are specific portfolios for needs such as very short-term liquidity, ideal for strategic cash management.
● Fixed income
● Variable income (stocks)
In addition, there are specific portfolios for needs such as very short-term liquidity, ideal for strategic cash management.
Yes. After opening the account, you can change your portfolio at any time, with no fees, restrictions, or penalties.
Yes. You can invest in more than one portfolio simultaneously.
To do so, contact the Sunstate Invest support team, who will assist you in the process.
To do so, contact the Sunstate Invest support team, who will assist you in the process.
UCITS ETFs are exchange-traded funds regulated in Europe that typically replicate indices of:
● stocks
● bonds
● or other assets
They offer:
● high diversification
● good liquidity
● transparency
● tax efficiency
They are modern instruments widely used in global portfolios.
● stocks
● bonds
● or other assets
They offer:
● high diversification
● good liquidity
● transparency
● tax efficiency
They are modern instruments widely used in global portfolios.