About Gratio Capital

The current economic crisis has heightened people’s awareness of the importance of accumulating financial assets to help weather unexpected economic crises, to improve standards of living, and to plan for the future.  In fact, in 2009, the national savings rate reached a 14-year high of 5.7 percent, indicating that Americans are saving more now than ever.

Despite the importance of asset building to long-term financial success, many low and middle income Americans go without the tools they need to accumulate significant financial resources. In fact, 50% of Americans say they are only one month — or only two paychecks — or less away from not being able to meet their financial obligations if they were to lose their job. Low interest yields on most savings products offer little more than a safe place to store money – not build assets.  At the same time, traditional asset building products like mutual funds often exclude low and middle income consumers with their high account minimums, intimidating jargon, and confusing products that are specifically designed for high net worth consumers.  

Gratio Capital, a New York City-based asset management company, seeks to change the landscape in asset building by creating the world’s first asset building products for the underserved.  Gratio believes that, by innovating investments products designed for them, underserved consumers will be better able to build secure and prosperous financial futures.  By leveraging existing infrastructure and distribution, Gratio is making investment products economically and conceptually accessible and will deliver them profitably and responsibly to underserved consumers.  

Our mission is to expand access to asset building products for people worldwide.