What investment guidance can I receive with a Moneybase account?

With a Moneybase account, you are using a self-execution investment account. This means you stay in control of your own investment decisions.

Moneybase can help you understand the information available, explain how certain instruments or markets work, and share the data available to us at the time. This is to help you make a more informed decision.

However, on a self-execution account, Moneybase cannot tell you whether you should buy, sell, hold, switch, or choose one investment over another. That would be personalised investment advice.

What can Moneybase help me with?

For a self-execution account, Moneybase can help by providing factual information, such as:

• Information available in the Moneybase app
• Instrument details, where available
• Market data shown in the app
• Current information available to Moneybase at the time of your request
• General explanations about how certain investment products work
• Available bid or ask prices for certain instruments, where applicable
• Guidance on how to place or manage an order through the app
• 
  

For example, some instruments, such as certain bonds traded over the counter, may not always show the most recent price directly in the app. In these cases, our trading team may be able to provide the latest available bid or ask price, depending on market availability at that time.

This information is shared to help you assess your options.

What can’t Moneybase do on a self-execution account?

On a self-execution account, Moneybase cannot:

• Recommend whether you should buy, sell, hold, or switch a specific investment
• Tell you which investment is best for you
• Compare options and advise which one you should choose
• Confirm whether an investment is suitable for your personal circumstances
• Provide personalised financial advice
• Make investment decisions on your behalf

The final investment decision must always be made by you.

What is the difference between a self-execution account and an advisory account?

A Moneybase self-execution account allows you to choose and place your own investments. Moneybase can support you with factual information, platform guidance, and market information available to us at the time, but the investment decision remains yours.

An advisory account is different. With an advisory service, you receive personalised investment advice from highly qualified Financial Advisors who are approved by the Malta Financial Services Authority (MFSA).

Our advisors are not tied to any particular investment or product. This means they can assess your needs, objectives, risk appetite, and personal circumstances, then create a tailored investment portfolio and provide advice across a wide range of investments.

In simple terms:

Can I still ask Moneybase questions before investing?

Yes. You should feel comfortable asking Moneybase questions before placing an order.

We can help you understand the information available, clarify how products or orders work, and provide market information available to us at that point in time.

The only limitation is that we cannot make the investment decision for you or advise you to take one action instead of another on a self-execution account.

For example, you can ask us to explain available information about an instrument, how an order works, or whether more recent market information is available. 

Can Moneybase provide prices for bonds or other over-the-counter instruments?

In some cases, yes.

Certain instruments, such as some bonds traded over the counter, may not always have the latest bid or ask price visible in the Moneybase app. Where available, Moneybase may be able to provide the latest bid or ask price available to us at the time.

Please note that prices can change and may depend on market availability. Any price shared is for information only and should not be treated as a recommendation to buy or sell.

What should I do if I need personal investment advice?

If you would like advice based on your personal financial situation, goals, risk appetite, investment knowledge, or needs, an advisory investment service may be more suitable than a self-execution account.

Through an advisory account, a qualified MFSA-approved Financial Advisor can assess your circumstances and provide personalised investment advice.

If you are unsure which type of support you need, please contact Moneybase Support. We can explain the difference between self-execution and advisory services and guide you to the right next step.