Surmount
Surmount AI is a trading software that enables users to trade smarter and manage their investments using data-driven strategies. With Surmo...
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What is Surmount?
Surmount is an automated investing platform that lets self‑directed investors connect their brokerage accounts and automate data‑driven portfolios built by professionals and AI. Users can either pick from prebuilt strategies tailored to specific goals or turn their own investment theses into fully automated strategies without coding, with the platform handling everything from order execution to rebalancing and tax‑smart positioning.
The platform emphasizes multi‑asset class portfolios, including stocks, ETFs, mutual funds, fixed income, and alternatives, and integrates with major U.S. brokers so trades route directly from the user’s existing accounts. It also offers defensive measures, automated tax harvesting, and position management so users can run more complex strategies without manually monitoring prices or rebalancing.
Surmount is designed for retail investors, independent traders, and small‑ticket wealth‑builders who want hedge‑fund‑style tools without paying for a full‑service advisor. It also appeals to strategy creators who want to build and monetize their own algorithmic strategies since the platform provides a marketplace and analytics for sharing strategies with others.
Key conceptual pillars include no‑code strategy design, AI‑driven portfolio analysis (using tens of thousands of data points), and a layered pricing model that unlocks higher tiers for creators and heavy users. The platform aims to be a personal, automated, strategy‑centric overlay on top of whatever brokerage accounts a user already owns, rather than a replacement brokerage or a traditional robo‑advisor with a single generic portfolio.
Surmount pricing
Pricing model: Freemium
Surmount offers a simple tiered subscription model with no hidden fees and cancel‑anytime flexibility. The Core plan costs 5 dollars per month and includes connecting and automating external accounts, access to prebuilt expert‑curated strategies, and personalized investment recommendations. The Plus plan costs 10 dollars per month and adds a personalized AI advisor, custom strategies, advanced market research, crypto and options support, and everything in Core. The Pro plan costs 30 dollars per month and unlocks everything in Plus plus full access to strategy creation tools, full access to 20,000+ datapoints, ability to share and monetize strategies, and expanded coverage of fixed income and alternative markets.
Surmount pros
- Automates expert‑built investment strategies
- Connects seamlessly to major U.S. brokerages
- Handles automated order execution and rebalancing
- Offers automated tax‑loss harvesting features
- Supports multi‑asset class portfolios including stocks and ETFs
- Provides defensive measures and risk management tools
- Lets users turn any investment thesis into a no‑code strategy
- No programming required to build and automate strategies
- Includes AI‑driven portfolio analysis using 20,000+ datapoints
- Offers a marketplace of prebuilt strategies with back‑tested track records
- Allows users to create and share their own strategies
- Enables monetization of user‑created strategies
- Consolidates all investment accounts in one dashboard
- Offers personalized recommendations tailored to user goals
- Transparent monthly pricing with no hidden fees
- Supports crypto and options trading in higher tiers
Surmount cons
- Primarily focused on U.S. brokers and investors
- Free tier limits the number of instruments or strategies
- No‑code approach may feel restrictive for advanced quants
- Lower tiers restrict access to full strategy creation tools
- No‑code design caps deep customization versus writing raw code
- Performance of user‑created strategies depends heavily on user skill
- Automated execution still exposes user to market risk and fees
- Some data and analytics may be delayed near real‑time
Frequently asked questions about Surmount
What is Surmount and how is it different from a robo‑advisor?
Surmount is an automated investing platform that lets users connect existing brokerage accounts and run AI‑powered or expert‑built strategies, rather than a classic robo‑advisor that typically offers a single, generic portfolio. Surmount focuses on strategy marketplace and multi‑strategy automation, so users can run several different strategies across the same account and even create or monetize their own strategies, which is not typical of standard robo‑advisors.
Is Surmount a broker or an investment adviser?
Surmount is a technology platform that sits on top of existing brokerages and investment advisers; it routes trades through registered broker‑dealer partners and does not act as a broker itself. Quantbase, a wholly‑owned Surmount subsidiary, is an SEC‑registered investment adviser, while Surmount’s main platform provides the tech infrastructure and tools for automating and managing strategies linked to user brokerage accounts.
How do the strategies work—and who creates them?
Strategies are baskets of securities built around a specific objective or idea, and can be created by professional investment advisors, researchers, or by users themselves; Surmount technology powers the execution and analytics. Users can subscribe to expert‑built strategies curated on the platform or design their own no‑code strategies, then connect those strategies to their brokerage accounts for automated execution and rebalancing.
Does Surmount sell or share my trading data?
Surmount states that it does not sell or share user trading data with third parties beyond what is required for order execution and regulatory compliance with its broker and custodian partners. The platform emphasizes that user information is used to improve the service and to deliver personalized analytics and strategy recommendations, but not as a marketing or advertising commodity.
What kind of performance should I expect?
Surmount does not guarantee performance and highlights that past returns are not indicative of future results; strategy performance depends on market conditions, the quality of the underlying logic, and user‑selected risk parameters. The platform provides back‑tested and historical performance for many strategies as a reference, but users are expected to understand that automated strategies still carry market risk and can underperform or lose money.
How can I cancel my subscription?
Users can cancel their Surmount subscription at any time through the account settings or billing section of the platform, with no long‑term contracts or hidden penalties. The cancellation takes effect at the end of the current billing period, and users can continue to use the platform until that date, after which they lose access to paid features unless they re‑subscribe.
Can I run Surmount with my Robinhood or other retail broker?
Surmount integrates with America’s top brokers, including popular retail platforms like Robinhood, so users can connect their existing brokerage accounts and let Surmount automate strategies there. The platform uses bank‑level security and routing to direct trades through the broker’s infrastructure, meaning Surmount does not move money out of the user’s existing accounts.
Do I need to know how to code to build a strategy?
No coding is required to build a strategy on Surmount; the platform offers a no‑code interface where users can describe their investment thesis or goals and the system turns that into a data‑driven, automated portfolio. Advanced users can still leverage thousands of datapoints and detailed controls, but they do not need to write raw code or manage infrastructure themselves.
Can I monetize the strategies I create?
Surmount allows users to share and monetize the strategies they create, typically through a marketplace where other investors can subscribe to those strategies for a fee. The platform handles the analytics, execution, and tracking while the strategy creator earns a portion of the fees or a defined revenue share linked to the performance and usage of their strategy.
What asset classes does Surmount support?
Surmount supports a broad range of asset classes including stocks, ETFs, mutual funds, REITs, and domestic and global exchange‑traded securities, with higher tiers adding crypto, options, fixed income, and alternative markets. The platform is designed to let users build multi‑asset portfolios and automate allocations across different risk and return buckets using the same unified dashboard.