Frequently Asked Questions

General

  • For Currency Trading, MYJ Group SARL is registered with CSSF (Commission de Surveillance du Secteur Financier) AIFM under Article 3(3) of the Luxembourg AIFM Law (12 July 2013) but does not benefit from full AIFMD authorizations.

    For Real Estate Investment, MYJ Management Partners LLC is incorporated in New York and filed with the United States SEC under Form D.

  • Your investment may not be directly "insured" in the traditional sense, but there are different forms of protection to consider. It's essential to distinguish between market risk and capital protection or banking risk, as they are addressed differently.

    • Market risk refers to the potential for an investment's value to decline due to changes in market conditions, such as fluctuations in interest rates, inflation, or overall economic performance. However, we have a robust risk management policy in place to actively monitor and mitigate these risks, helping to manage their impact on your investment.

    • Capital Protection / Banking risk refers to the risk that the financial institution holding your investments or assets may face difficulties or even fail. Investments held by banks or custodians are often protected by insurance or deposit guarantees, depending on the jurisdiction and type of account. Many countries have deposit protection schemes in place to safeguard individual depositors.

      For example:

    • In the EU, bank deposits up to €100,000 per person per bank are typically insured under the European Deposit Insurance Scheme (EDIS).

    • In the US, the Federal Deposit Insurance Corporation (FDIC) insures deposits up to $250,000 per depositor per bank.

  • MYJ maintains operations in the United States, United Kingdom, Luxembourg and Mauritius.

  • Each client may request an account summary from MYJ Concierge. In 2025, clients will be able to access their entire portfolio on the MYJ Mobile App.

  • If you encounter a dispute, please first attempt to resolve it through MYJ Concierge. Steps for dispute resolution may be reviewed in our Dispute Resolution Process. If no resolution is reached, the next steps will be determined by the terms outlined in your contract.

  • StoneX accounts will be in the name of the client. They will be able to control their own liquidity (deposit & withdrawals). However, early withdrawals will be subject to early termination fees as stated in our contracts.

  • MYJ currently accepts USD, EUR, and GBP and plans to unlock CHF and CAN in the future. 

  • For MYJ Luxembourg Clients may withdraw funds once every 12 (twelve) calendar months, on the anniversary of their investment, by providing 40 (forty) days' notice. For early withdrawals, a redemption fee of 5% will apply if the withdrawal is made within the first 6 months. After 6 months, the redemption fee decreases to 2%.


    Stone X

    Clients may withdraw funds once every 12 (twelve) calendar months, on the anniversary of their investment, by providing 40 (forty) days' notice. For early withdrawals, a redemption fee of 2% will apply.

    For MYJ U.S. 

    Clients can withdraw funds within 24 hrs of the scheduled maturity date outlined in their contracts. MYJ will send a status update 1 month before maturity and request whether the client would like to withdraw, renew, or reinvest with MYJ. 

  • Invoices will be sent one month prior to contract maturity and will be due within 30 days of fund withdrawal.

Conservative

  • For Stone X, clients are invoiced annually, after each 12 (twelve) month period.

    If you invest through MYJ Luxembourg, management fees are charged annually, ranging from 2% to 5% of your capital contribution. Regarding performance fees, if your portfolio exceeds the estimated performance, MYJ will charge a performance fee based on the entire remaining balance.

    For MYJ U.S., fees are not applicable.

  • Contracts technically start the day funds are received. Depending on the regulations of your local bank, the actual date you receive funds should be within 2 weeks of your scheduled transfer date. 

  • For fixed accounts, MYJ operates in currency arbitrage, placing no leverage on currency and only uses 1/4 of the principal to invest. This allows us to have security over the principal while making gains on profit. 

  • Your final fixed interest payment will be prorated based on the requested early termination date. If the termination occurs before 6 months, MYJ will invoice you for 5% of the principal. If the termination occurs after 6 months, MYJ will invoice you for 2% of the principal.

  • No, switching investment strategies will require a new contract. Current funds will need to be made liquid before they can be invested into other products. 

Dynamic

  • MYJ maintains the disclosed capital protection level for accounts associated with StoneX. However, StoneX applies professional trading practices that may temporarily affect the displayed account balance. Specifically, StoneX combines the withdrawal of margin for open positions and reinstates the balance only once the position is closed. This process, while standard in professional trading, can create temporary discrepancies that make it appear as though the account balance has fallen below the highlighted capital protection threshold.

  • MYJ utilizes algorithmic risk protection in combination with profit leveraging strategies to mitigate principal risk. 

  • No, switching investment strategies will require a new contract. Current funds will need to be made liquid before they can be invested in other products. 

  • Clients will need to place a request for early termination through the app or via MYJ Concierge. Withdrawal takes an average of 40 days from request to be refunded. 

  • One month before maturity, your total performance will be calculated and invoiced.