Onboarding was not very smooth. It required onboarding to Nirvana, and to Garwood (the forward facing interface broker) and to the the transaction broker, Interactive Brokers. Mutliple logons, and multiple points of uncertainity. After lookingforward to great returns, in the month plus since Ive invested, this has a had a poistive session twice. Its underperforming the index funds (S+P) for several months, and by alot. I've lost about 10% of my initial investment - thankfully only $50K and the daily trasaction fees are eating me alive. I've moved the money beween funds twice, but it mattered not as all of the funds are down below the index funds and are loosing. The stated data during sales pitch quotes the year, but dig into 3 month data, and you see the slow losses since August, or gains that are consumed by the fees. And I'm trapped. The guarantee is irrelevant for what I'm losing in the meantime, and walkig away costs my $15K license fee.
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