InvestBantu, Inc. · Registered Investment Advisor · NJ Bureau of Securities

Your money deserves
the same attention
theirs gets.

Professional financial tools and a real path to an advisor. Built for people who deserve the same quality of advice as anyone else, regardless of where they are starting from.

For individuals
Understand your investor type. Free, in 8 minutes.
No account. No sales call. No minimum. Eight minutes. Your result arrives in your inbox.
Know your investor type →
For registered investment advisers
The full compliance and portfolio stack. Free to start.
RiskProf™ · OverLay engine · WORM vault · ADV workflow. Built for the advisor who is building.
See the platform →
No minimum account size
No login required for tools
English & Spanish
Not investment advice
InvestBantu

The meeting they never
returned your call for.

Good financial advice has always had an entry requirement. A minimum balance, a referral from someone already inside, or the confidence to know you belong. InvestBantu was built on a simple belief: that should not be how it works.

Fluent is our RIA platform. Professional-grade tools for risk profiling, portfolio construction, and compliance, available to the advisor who is just starting out and the client who was never invited in.

Start with your investor type →
Risk Need
What are you trying to build?
Goals · Timeline · Contributions · Required return
Ability
What could you handle if things went wrong?
Time horizon · Liquidity needs · Outside income
Behavioral
How do you actually react when markets move?
Risk tolerance · Experience · Composure under pressure
↓ Your result
Your investor type · Delivered to your inbox
No account required · Available in English and Spanish
RiskProf™ Self-Assessment

Your investor type
is waiting for you.

Three factors. Eight minutes. We look at what you're trying to build, what you could absorb if things went sideways, and how you actually behave when markets move. Not how you think you'd behave.

What you'll find out
"Based on your responses, we've identified your investor type and the growth allocation range that fits your financial profile. Most people are surprised by what they find out about themselves."
Educational tool only
Not investment advice
EN · ES
No account required
1Risk Need
2Ability
3Behavioral
Result
How do you typically react when your investments drop significantly in value?
Behavioral factor 1 of 6 · Choose one
1
Sell immediately
2
Consider selling
3
Hold and wait
4
Stay calm
5
Buy more
Free financial education tools

Five tools.
No login required.

Educational tools only. Not personalized investment advice. Not a substitute for a registered investment advisor.
Fluent · for registered investment advisers

The full stack for the advisor who is building without a safety net.

01
Compliance infrastructure
CCO dashboard, WORM vault, IC approval gate, Form ADV workflow. 157 requirements tracked. Built in, not bolted on.
02
Risk profiling
RiskProf™. Three-factor, server-side assessment. RPI score, investor persona, traffic light. All assessments WORM-archived.
03
Portfolio construction
OverLay engine. Constrained Mean-Variance Optimization across 14 asset classes with IC-governed CME and SLSQP solver.
04
Pre-qualified clients
Clients from the matching service arrive with a completed RiskProf and a portable Fluent Financial Identity. Discovery is already done.
"Everyone deserves access to the same quality of risk profiling, portfolio construction, and advisory relationship. No matter where they are starting from."
· The InvestBantu Thesis