Keeping up with daily market news can feel like a lot. This article explains how Allie and Alinea’s Daily Briefing can help you follow what is happening, and what they do not do. All investing involves risk, including loss of principal.

Why Daily Recaps Exist

Market movements, economic news, and company reports arrive constantly. A short summary can help you understand what happened and why it may matter to what you own, without reading every article.

Alinea’s Daily Briefing

Each day, Alinea delivers a short summary of financial news relevant to your holdings, for informational purposes only.

Allie

Alinea Invest, Inc. offers a mobile investing app. Investment advisory services are provided by Alinea Advisory Services LLC, an SEC-registered investment adviser and a wholly owned subsidiary of Alinea Invest, Inc. SEC registration does not imply a certain level of skill or training.

Allie, Alinea’s AI assistant, is available in the Alinea app. It can summarize market news and market activity, explain how an event relates to your holdings in plain language, look up prices, charts, and historical returns (with a past-performance disclosure), and share daily lessons. At your request, Allie can also start a deposit, withdrawal, buy, or sell, and you confirm every transaction before it runs.

What Recaps Cannot Do

• They do not tell you what to buy, sell, or hold. Allie does not provide investment advice or recommendations, does not make price predictions, and does not give tax or legal advice.
• They are not free of error. AI-generated information can rely on data that is inaccurate, incomplete, or out of date, and it can be faulty or even made up [1]. Check important facts against other sources.
• They do not reduce risk. Staying informed does not protect against loss.

Getting Started

1. Download the Alinea app and create an account. Verify your identity and link your bank account.

2. Open the Daily Briefing. Read the summary for the news relevant to your holdings.

3. Ask Allie questions. If something is unclear, ask Allie to explain it in plain language.

4. Make your own decisions. Consider your goals, time horizon, and risk tolerance before changing anything.

Common Mistakes to Avoid

• Over-reliance on AI. Use recaps as a starting point, and do your own research.
• Reacting to daily swings. Daily market moves are often small relative to long-term goals. Reacting to each one can work against a long-term plan.
• Neglecting diversification. Spreading your money across different investments can reduce the impact of any one falling, but diversification can’t guarantee against loss [2].

Brokerage accounts are held at DriveWealth LLC, member FINRA/SIPC, which is not affiliated with Alinea. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash) if the brokerage firm fails financially. It does not protect against a decline in the market value of your securities [3]. Bank accounts are linked through Plaid, Inc., a third party not affiliated with Alinea, and we do not store your online banking credentials. SSL and 256-bit encryption help protect your data.

Frequently Asked Questions

What is the Daily Briefing?

A short daily summary of financial news relevant to your holdings, for informational purposes only.

Does Allie tell me when to buy or sell?

No. Allie provides educational information and does not give buy or sell directives or recommendations.

Are the recaps accurate?

Alinea works to keep information accurate, but AI-generated content can contain errors. Verify important information before relying on it.

Disclosure

Advisory services are provided by Alinea Advisory Services LLC, an SEC-registered investment adviser and a wholly owned subsidiary of Alinea Invest, Inc. SEC registration does not imply a certain level of skill or training. Brokerage and custody services are provided by DriveWealth LLC, an unaffiliated registered broker-dealer and member of FINRA/SIPC.

This content is for informational purposes only and is not an offer, solicitation, or recommendation to buy or sell any security. All investing involves risk, including loss of principal. Past performance does not guarantee future results. Allie is educational only, does not provide investment advice, and can make mistakes. Some Playlists have their weights set by AI on a schedule, with no human review of the changes, and can be wrong. Alinea oversees the algorithm and monitors it for anomalies. Themed portfolios may be less diversified and more volatile. Alinea is not affiliated with the sources listed below, and their inclusion is not an endorsement. Alinea charges a subscription fee for its advisory services; see Item 5 of Form ADV Part 2A. Alinea’s support team handles questions about using the service only and does not provide investment advice.

See our Form ADV Part 2A, Wrap Program Brochure, and Form CRS at www.alinea-invest.com/legal/home. For more on Allie, see AI Allie – Disclosures & Terms of Use at www.alinea-invest.com/legal/ai-allie-disclosures-terms-of-use.

Sources

[1] SEC Office of Investor Education and Advocacy, NASAA, and FINRA, “Artificial Intelligence (AI) and Investment Fraud,” investor alert, January 25, 2024 (finra.org, investor.gov).

[2] U.S. Securities and Exchange Commission, Investor.gov, “Diversify Your Investments.”

[3] Securities Investor Protection Corporation (SIPC), What SIPC Protects (sipc.org).

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