IOL

IOL Review Summary
IOL
WikiStock Rating	3.05
Founded	2000
Registered Region	Argentina
Regulatory Status	No regulation
Products & Services	Argentine Investment Account: Money Management - MEP dollar, placement bonds, mutual funds, investment funds; Stock Market- actions, CEDEARs, bonuses, lyrics, deferred payment checks, options, negotiable obligations
	U.S. Investment Account: stock Market- actions, ETFs, sard
Fees	$0 account opening and maintenance
	United States: zero charge for administrative costs; Transfer of funds from the United States to Argentina-0.25% + VAT, minUS$ 25 + VAT; ADR Fee- 2%; payment of debts- 1.0% + VAT (of the amount charged); Buying and selling stocks - ETFs - ADRs - REITS- 0.5% + VAT, min US$ 5 + VAT
	Argentina: Range from zero to 1% or minimum of $50 + VAT
App/Platform	IOL
Customer Service	Address: Humboldt 1550 - Piso 2 - C.A.B.A.- Argentina
	Tel: 011-4000-1400
	FAQ; Instagram, Twitter, Telegram, YouTube, LinkedIn, Facebook, Spotify

What is IOL？

　　IOL, short for InversionesOnline S.A.U., was founded in May 2000 and acquired by the Supervielle Group in 2018. It offers a wide range of products and services including Argentine Investment Accounts for money management and stock market investments, as well as U.S. Investment Accounts focused on stocks and ETFs. Fees are generally low, with $0 account opening and maintenance in the U.S. and varying charges for transactions in Argentina.

　　IOL provides mobile access through the IOL app on iOS and Android. However, it operates without regulatory oversight, which impacts consumer protection and financial security.

　　For more detailed information, you can visit their official website: https://www.invertironline.com/ and contact their customer service directly.

Pros & Cons

• 　　Rich Educational Resources: IOL offers a variety of educational materials and courses, covering topics from basic investing to advanced strategies, which can be beneficial for beginners and experienced investors alike.

• 　　Wide Range of Investment Options: It provides access to a diverse range of investment products including stocks, bonds, mutual funds, ETFs, and more.

• 　　Digital Platform: The IOL app and platform are user-friendly, allowing investors to manage their portfolios, execute trades, and access market data conveniently from their devices.

• 　　Practice Tools: Features like the Simulador (simulation tool) allow users to practice trading without using real money, which can be useful for learning and testing investment strategies.

• 　　API and Trading Tools: For advanced users, IOL offers APIs and trading tools to automate investments and access market data.

Cons:

• 　　Unregulated: IOL operates without regulatory oversight, which poses risks to investor protection and financial stability, as there are no guarantees or protections typically offered by regulated entities.

• 　　Fees and Costs: Depending on the investment products and services used, IOL charge fees that could impact overall returns, such as transaction fees, administrative fees, and other charges.

Is It Safe？

• 　　Regulatory sight

　　The absence of valid regulations of IOL which the company operates signifies potential risks, as it lacks the guarantee of comprehensive protection for traders engaging on its platform.



• 　　Safety Measures

　　IOL ensures data protection through secure encryption protocols, restricted access to personal information, regular security audits, and compliance with industry standards to safeguard user confidentiality and prevent unauthorized access or breaches.

What are Securities to Trade with IOL？

　　Inversiones Online S.A.U. (IOL) offers a comprehensive range of investment products and services tailored for investors in Argentina and the U.S.

　　In Argentina, clients can engage in money management through options like the MEP Dollar, allowing for currency diversification by purchasing bonds in pesos and converting them into dollars. They also offer placement bonds, mutual funds managed by experts, and investment plans that cater to conservative profiles seeking low-risk and stable returns.



　　For investors with a higher risk tolerance, IOL provides opportunities in the local stock market with investments in actions (stocks), CEDEARs (Argentine Depositary Receipts for international stocks), bonuses, lyrics (short-term debt instruments), deferred payment checks, and financial options.



　　In the U.S. market, investors can access stocks, ETFs (Exchange-Traded Funds), and ADRs (American Depositary Receipts) suitable for moderate to aggressive profiles aiming for potentially higher returns.



Fees Review

　　The account opening and maintenance at IOL incur no fees, making it cost-free for clients to establish and keep their accounts active.



　　Besides, IOL offers a range of fees depending on the type and volume of transactions. For instance, in Argentina, fees for primary subscriptions of shares, public securities, and exchange of securities range from 1% or a minimum of $50 + VAT for smaller transactions to lower percentages for higher transaction volumes.



　　Meanwhile, in the United States, fees for buying and selling stocks, ETFs, ADRs, and REITs are 0.5% + VAT, with a minimum commission of US$ 5 + VAT.

　　Additionally, administrative costs in the U.S. incur no charges, while transferring funds from the U.S. to Argentina involves a fee of 0.25% + VAT, with a minimum charge of US$ 25 + VAT.



　　For more complete and most updated details, you can visit https://www.invertironline.com/tarifas

App/Platform

　　The IOL Inversiones app provides a convenient and user-friendly platform for investors to manage their financial portfolios with ease.

　　Available on both Android and iOS devices, the app allows users to open investment accounts digitally and free of charge. Investors can engage in various financial activities such as investing in Simple MEP Dollar with a single click, purchasing diversified portfolios, and trading stocks, CEDEARs, bonds, ONs, and sureties in both pesos and dollars in Argentina.

　　Additionally, users can subscribe to mutual funds and take advantage of tools like the Investor Test to determine their investment profiles.

　　The app enhances security through personal PIN or fingerprint login and offers access to a Help Center for customer support.



Trading Tools

　　For advanced users and developers, IOL provides an API that offers access to market data, portfolio tracking, and trading functionalities. This API empowers users to create and execute trading algorithms, automate investment strategies, and integrate their trading activities with external platforms or tools using Excel.



Research & Education

　　IOL Academy offers a comprehensive range of educational resources designed to empower individuals in their financial journey.

　　Whether you're a beginner or an advanced investor, the academy provides courses and programs across various categories including programming, personal finance, investing in the stock market, cryptocurrencies, as well as basic, intermediate, and advanced certifications and programs.



Customer Service

　　IOL offers a variety of customer service channels to support its users.

　　For direct assistance, customers can visit their physical office located at Humboldt 1550, Piso 2, C.A.B.A., Argentina. They can also contact IOL's customer support team via telephone at 011-4000-1400 for immediate assistance.

　　Additionally, IOL maintains an active presence on social media platforms such as Instagram, Twitter, Telegram, YouTube, LinkedIn, Facebook, and Spotify. These channels serve as avenues for customers to engage with IOL, ask questions, receive updates, and access informational content related to their services and products.



Conclusion

　　IOL, or Inversiones Online S.A.U., offers a comprehensive range of financial services including investments in Argentina and the United States, supported by a user-friendly mobile app and educational resources through IOL Academy.

　　However, note that IOL operates without regulatory oversight, impacting consumer protection and financial security. Therefore, while their services cater to various investment needs and educational goals, interested users should consider their risk tolerance before engaging with IOL.

Frequently Asked Questions (FAQs)

• 　　Is IOL regulated by any financial authority？

　　No.

• 　　What types of services does IOL provide？

　　IOL provides financial services such as investment in Argentine and U.S. stocks, bonds, mutual funds, and more through their online platform.

• 　　Is IOL suitable for beginners？

　　No. Though IOL provides educational materials and tools that can help beginners learn about investing, its unregulated condition raises concerns about investor protection and financial security, thus it's not suitable for beginners.

Risk Warning

　　Online trading involves significant risk, and you may lose all of your invested capital. It is not suitable for all traders or investors. Please ensure that you understand the risks involved and note that the information provided in this review may be subject to change due to the constant updating of the company's services and policies.