Genesis is offered by Doxa Capital, LLC (“Doxa”), an investment adviser registered with the securities regulators of Virginia, North Carolina, Maryland, Colorado, and Florida. Registration does not imply a certain level of skill or training. This website is intended only for clients and prospective clients who live in states where Doxa is registered or exempt from registration. To find out whether we can provide advisory services where you live, call Doxa at 703-638-8838.
Doxa does not provide personalized investment advice through this website, and nothing on it is a guarantee of any particular result. Doxa’s Form ADV Part 2A and Part 2B describe our services, fees, investment approach, conflicts of interest, and more. For a copy, visit adviserinfo.sec.gov, call703-638-8838, email us at hello@genesisbydoxa.com, or write to us at 101 S Tryon St., Charlotte, NC 28280.
Genesis fees
Genesis charges an advisory fee of 0.40% of account value per year. The ETFs in Genesis portfolios charge their own expense ratios, which are separate from and in addition to the Genesis fee, and your custodian may charge other fees. Doxa’s Form ADV Part 2A describes fees and billing in full.
How Genesis uses AI
Each quarter, Doxa uses its in-house AI agent to help rebalance the four Genesis models. Working from Doxa’s research, it proposes changes to each model and calculates risk measures such as beta. AI can make mistakes, can rely on data or assumptions that are incomplete or wrong, and cannot predict the future. Doxa’s investment team reviews and approves every rebalance before any trades are placed and remains responsible for all investment decisions. Using AI does not guarantee better results or reduce investment risk.
Investment risk
All investments carry risk, including the possible loss of principal. Investments don’t grow at an even rate and may lose value. Efforts to reduce risk and increase returns can, at times, reduce returns instead. Diversification, rebalancing, and multi-asset investing do not ensure a profit or protect against loss.
Past performance is not an indication of future results. Wherever there is the potential for profit, there is also the possibility of loss. When an investment is denominated in a currency other than yours, changes in exchange rates may reduce its value, price, or income.
Exchange-traded funds
ETFs are subject to market risk and will fluctuate in value. ETF shares trade at market prices, which may be above or below the fund’s net asset value, and buying or selling them may involve a bid-ask spread. Each ETF charges an expense ratio, which reduces its returns. An ETF’s prospectus describes its investment objectives, risks, charges, and expenses, and should be read carefully before investing. Prospectuses are available from each fund’s sponsor.
Models, forecasts, and optimization
Genesis portfolios are built with quantitative tools, including optimization along the efficient frontier, that rely on estimates of future returns, volatility, and correlations. No model can predict future returns precisely. Models assume normal, rational market behavior, which doesn’t always hold, especially during periods of euphoria or panic. Forecasts are inherently uncertain, can change at any time, and may be wrong. Doxa’s models are not market-timing signals, and no forecast is a projection of the stock market or of any specific investment.
International and emerging markets
Investments in international and emerging markets, held directly or through funds, can be significantly affected by a country’s political and economic conditions and regulations. They involve risks such as currency fluctuation, political and economic instability, different accounting standards, and foreign taxes, and they may be less liquid and more volatile than U.S. investments.
Bonds
Bonds carry interest rate, credit, default, and duration risk. When interest rates rise, bond prices generally fall. High-yield (“junk”) bonds and mortgage-backed securities carry greater risks, including more volatility, less liquidity, prepayment, and a higher chance of default.
Conflicts of interest
Doxa is paid only by its clients. It doesn’t receive commissions or other compensation from any fund company or other third party for using a particular investment, and no Doxa employee earns commissions.
Doxa’s analysts and strategists certify that the views they express about the financial markets are accurately stated, and that they haven’t received and won’t receive compensation, directly or indirectly, for expressing specific recommendations or views. They are paid based on factors including research quality, client feedback, competitive factors, and overall firm revenue. Doxa doesn’t provide investment services to companies covered or recommended in its research. If it ever did, it would stop covering that company.
Research and third-party data
Information in Doxa’s research, reports, podcasts, and other communications comes from sources believed to be reliable, but its accuracy and completeness aren’t guaranteed, and it may change without notice. Reports are for illustrative purposes only and are not a substitute for the account statements you receive from your custodian. Doxa disclaims all liability for this information, including any express or implied warranties about errors or omissions, and Doxa and its employees and officers are not liable for any loss resulting from your use of or reliance on it.
Taxes
Doxa doesn’t provide tax or legal advice. Talk with your own tax, legal, and other advisors, before any transaction and on an ongoing basis, about how the law applies to your situation.
Electronic communications
This section applies to email and other electronic messages from Doxa and its representatives, and to material on Doxa’s websites and social media. Messages sent from a Doxa Capital, LLC domain are confidential communications between the sender and the intended recipient. Doxa retains and monitors messages and may store them in the manner and location it chooses, as the law allows. Unless otherwise agreed, an electronic message is not an official document or confirmation, and Doxa doesn’t guarantee that it is accurate, timely, secure, or free of errors or viruses. If a message conflicts with an official communication, such as a statement or confirmation, the official communication controls. Electronic messages can be intercepted, misdelivered, or altered in transit, so Doxa can’t guarantee they will stay confidential.