Bank Cainvest and Dartley provide efficient, accurate and competitive brokerage and custodian services for its clients, whether for trading or long-term investments. We collect all income generated by the portfolio (e.g. dividends, coupon payments and interest) process all corporate actions promptly and efficiently and verify them against multiple sources to assure accuracy.
We are fully focused on understanding our customers’ needs and desires to maintain an unbroken tradition of excellence in the management of their assets.
Bank Cainvest and Dartley's philosophy is based on building a solid long-term relationship with clients. Therefore we are flexible in adapting to meet our customers’ needs, and for this reason we are always working to create new products and services in anticipation of those needs. We seek to provide the most effective and reliable financial solutions to fully satisfy our customers.
Your account representative is looking forward to offer you our brokerage services in the most diverse financial products, including:

Fixed Income Instruments

 Fixed income instruments are a necessary component of a portfolio that is diversified across different asset classes. Adding fixed income instruments to an all-stock portfolio generally lowers the risk of the overall exposure. Depending on the issuer, they can provide a guaranteed fixed return when held to maturity and are sources of stable cash flow. There are a wide variety of fixed income investments in which clients can invest through Bank Cainvest:

U.S. Treasury Securities

U.S. Treasury securities are the debt financing instruments of the United States Federal government, and they are often referred to simply as Treasuries. There are four types of marketable treasury securities: Treasury bills, Treasury notes, Treasury bonds, and Treasury Inflation Protected Securities (TIPS). All of the marketable Treasury securities are very liquid and are heavily traded on the secondary market. These are discounted in actual days based on a 360-day year.

Money Market Instruments

Money market instruments are issued by financial institutions and dealers in money or credit who wish to borrow or lend. Participants borrow and lend for short periods of time, typically up to thirteen months. Money market trades in short-term financial instruments commonly called "paper." This contrasts with the capital market for longer-term funding, which is supplied by bonds and equity. The core of the money market consists of banks borrowing and lending to each other, using commercial paper, repurchase agreements and similar instruments. All of the Money Market Instruments are very liquid and are heavily traded on the secondary market.

Commercial Paper In the global money market

In the global money market, commercial paper is an unsecured promissory note with a fixed maturity of 1 to 270 days. Commercial Paper is a money-market security issued (sold) by large banks and corporations to raise money to meet short-term debt obligations, and is only backed by an issuing bank or corporation's promise to pay the face amount on the maturity date specified on the note. Since it is not backed by collateral, only firms with excellent credit ratings from a recognized rating agency will be able to sell their commercial paper at a reasonable price.

 Certificate of Deposits

A certificate of Deposit or CD is a time deposit offered to consumers by banks. Bank Cainvest offers third party certificates of deposits to its clients. Depending on the terms of the CD, liquidity can be limited in this product. Third party institutions, not Bank Cainvest, hold these funds.



 Sovereign Bonds

Sovereign bonds are bonds issued by a national government denominated either in the country's own currency or in a foreign currency. Sovereign bonds are usually longer-term debt instruments, generally with a maturity date occurring at least a year after their issue date. Yields on those bonds vary according to the issuing country’s credit risk. The vast majority of Sovereign bonds are very liquid and heavily traded on the secondary market.

Corporate Bonds

A corporate bond is a bond issued by a corporation to raise money in order to finance itself or to expand its business. Corporate bonds are usually longer-term debt instruments, generally with a maturity date occurring at least a year after their issue date. Yields on those bonds vary according to the company’s credit risk. The vast majority of corporate bonds are very liquid and heavily traded on the secondary market.

Equities & Options

 Equities are an important part of a well-balanced wealth management strategy and should be considered by investors seeking to pursue long-term objectives. When compared to bonds and cash alternatives, stocks carry higher risk because they have potential for volatility. The bank also offers the capability to trade options, which are contracts that give their buyer the right – but not the obligation – to buy or sell an underlying security for a specified price on or before a specific date.


Stock typically takes the form of shares of either common stock or preferred stock. As a unit of ownership, common stock typically carries voting rights that can be exercised in corporate decisions. Preferred stock differs from common stock in that it typically does not carry voting rights but is legally entitled to receive a certain level of dividend payments before any dividends can be issued to other shareholders.

Stock Options

A stock option is a derivative financial instrument that establishes a contract between two parties concerning the buying or selling of a stock at a reference price. The buyer of the option acquires the right, but not the obligation, to engage in some specific transaction concerning the asset, while the seller incurs the obligation to fulfill the transaction if so requested by the buyer.

Mutual Funds & ETF's

Mutual Funds

Over the past decade, investors increasingly have turned to mutual funds to save for retirement and other financial goals. Mutual funds can offer the advantages of diversification and professional management. It pays to understand both the upsides and the downsides of mutual fund investing and how to choose products that match your goals and tolerance for risk. Bank Cainvest will be happy to assist its clients with their needs and provide them with a personalized proposal.

 Exchange Trades Funds (ETF’s)

An ETF is a security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange. ETFs experience price changes throughout the day as they are bought and sold. Owning an ETF affords the diversification of an index fund as well as the ability to sell short, buy on margin and purchase as little as a single share. The main advantage of investing in ETF’s is that they are very liquid and heavily traded on the secondary market. Another advantage is that the expense ratios for most ETFs are lower than those of the average mutual fund.


Diversification is one of the most important rules of investing and investing in commodities is yet another way to achieve broader diversification. Besides the benefits of diversification, commodities are also used as a hedge against inflation in a portfolio, which could hurt long-term performance. The bank recommends its clients, depending on their risk profile and long-term objectives, a portfolio allocation of up to 10 percent in commodities, as commodities can be an extremely volatile asset class.
Bank Cainvest recommends commodities exchange traded funds (ETFs) to its clients. Below are the main ETFs we trade on our clients’ behalf:

Bank Cainvest recommends commodities exchange traded funds (ETFs) to its clients. Below are the main ETFs we trade on our clients’ behalf:

DBC – Investing in a Commodity Index

The Power Shares DB Commodity Index Tracking Fund (Symbol: DBC) seeks to track the DBIQ Optimum Yield Diversified Commodity Index Excess Return™ by entering into long futures contracts and collateralizing those contracts with United States 3-month Treasury bills. The fund will pursue its investment objective by investing in a portfolio of exchange-traded futures on the commodities comprising the index, or the index commodities. The index commodities are Light Sweet Crude Oil (WTI), Heating Oil, RBOB Gasoline, Natural Gas, Brent Crude, Gold, Silver, Aluminum, Zinc, Copper Grade A, Corn, Wheat, Soybeans, and Sugar. The index is composed of notional amounts of each of the index commodities.


GLD – Investing in Gold

The Street tracks GOLD TRUST (Symbol: GLD) seeks to replicate the performance, net of expenses, of the price of gold bullion. The trust holds gold, and is expected to issue baskets in exchange for deposits of gold, and to distribute gold in connection with redemption of the baskets. The gold held by the trust will only be sold on an as-needed basis to pay trust expenses, in the event the trust terminates and liquidates its assets, or as otherwise required by law or regulation.


SLV – Investing in Silver

The Shares Silver Trust (Symbol: SLV) seeks to replicate the performance net of expenses, of the price of silver. The assets of the trust consist primarily of silver held by the custodian on behalf of the trust. The objective of the trust is for the shares to reflect the price of silver owned by the trust, less the trust's expenses and liabilities.

USO – Investing in Energy

United States Oil Fund (Symbol: USO) seeks to replicate the performance, less expenses, of the spot price of West Texas Intermediate (WTI) light, sweet crude oil. The fund will invest in futures contracts for WTI light, sweet crude oil, other types of crude oil, heating oil, gasoline, natural gas and other petroleum based-fuels that are traded on exchanges. It may also invest in other oil interests such as cash-settled options on oil futures contracts, forward contracts for oil, and OTC transactions that are based on the price of oil.

UCO – Investing in Energy

UCO, the Ultra DJ-AIG Crude Oil ProShares ETF tracks the Dow Jones AIG Crude Oil Sub-Index, but seeks to do so at twice the rate. The oil ETF consists of assets with economic characteristics to meet twice the return of the crude oil index.

Foreign Exchange


Foreign Exchange

The primary purpose of the foreign exchange market is to assist international trade and investment, by allowing businesses to convert one currency to another. It is also a strategy for diversification, and facilitates the carry trade, in which investors borrow low-yielding currencies and lend (invest) in high-yielding currencies. Bank Cainvest has a foreign exchange trading desk designed to meet your needs.


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