Step 1: Complete KYC verification
Open the CUSP Wealth app and finish the KYC process if you haven’t already.
Upload your ID, take a quick selfie, and submit for review.
Tip: Most verifications are approved within minutes.
Step 2: Start the risk questionnaire
Once your KYC is approved, you'll be ready to build your portfolio.
On your dashboard, tap "Get a bonus".
Then tap "Let's go" to begin the questionnaire.
Step 3: Answer a few quick questions
The questionnaire takes about 2 minutes. You'll be asked about:
Income and net worth: Your general financial range.
Investment experience: How familiar you are with investing.
Financial goals: What you're building toward (e.g., retirement, wealth growth, passive income).
Timeline and risk comfort: How long you plan to invest and how much risk you're comfortable with.
Step 4: Review your Personalised portfolio
After submitting your answers, CUSP instantly generates a tailored investment plan. You'll see:
Portfolio type: Choose between a Traditional or Shariah-compliant portfolio.
Risk category: Based on your answers — Defensive, Conservative, Moderate, Adventurous, or Aggressive.
Asset allocation: A breakdown of how your money will be spread across different asset types.
Growth outlook: A projected balance between stability and growth.
Step 5: Fund your account and invest
Now it's time to bring your plan to life.
Tap ''Deposit'' to add funds to your account.
The minimum deposit is $27 for local transfers.
Once your funds arrive, tap "Invest in a Personalised portfolio".
The minimum investment in a Personalised Portfolio is just $25.
Step 6: Track your progress and adjust anytime
Your portfolio updates automatically, but you're always in control.
Monitor performance: Check your Portfolio Dashboard to see how your investments are doing.
Update your risk profile: If your goals or circumstances change, you can adjust your risk level at any time.
Note: When you make your first deposit in CUSP Personalised portfolio, you'll receive a bonus worth 1% of the amount (up to $500). For more details on fees, refer to our Fees Schedule.