by Frank Bergman

The economic collapse that transpired on a global level in 2007 and 2008 left many households financially devastated and businesses bankrupt. Due to a mix of public policies, monetary initiatives, private endeavors and other factors, lower- and middle-income households are wary of investing.

Reports released in the past few months suggest that people may not have enough money to invest. One study found that a quarter of Americans have more credit card debt than emergency savings. Other studies show people generally don’t invest or save, both because they don’t want to and because they don’t have enough available funds to do so.

For amateur investors looking to get a foot in the market, performing investment moves can be an intimidating process. The jargon, the amount of documents and the fear of losing money can scary even to seasoned investors.

Nevertheless, one piece of software is looking to make investing as simple as possible. It aims to connect the entire investing sector and financial technology to the average person and business. Macroaxis, a personalized investment management company based in San Francisco, California, is providing customers tools that were once only available to money managers, investment analysts and other banking officials.

Macroaxis, founded in 2009, specializes in software designed for the finance industry that shares analytics to a substantial community of investors. It maintains the Modern Portfolio Theory (MPT) that gives all levels of investors the opportunity and advantage of accessing, collecting and optimizing a diversified portfolio, which is something that every financial advisor recommends.

Its platform provides proven returns in the show of a better return on clients’ efficiency, managed assets and intellectual property for financial institutions, investors and financial advisers.

Since its inception, Macroaxis has promoted itself not as a social finance network, a trading entity, a microblogging portal, a stockroom or a financial institution, but as an analytics company that utilizes the power of mathematics. It also makes slight revisions in order to improve investment returns, shrink the amount of risk involved and get the best out of clients’ portfolios.

“The bottom line is that we are not trying to sell you anything, which allows us to provide objective, comprehensive investment information to use as you want,” Macroaxis states on its website. “Then, you select the investment instrument you want to buy and you decide where to buy it. So use Macroaxis. Tell us what you like and what you don’t like. We promise we’ll not only listen but write you back.”

Macroaxis has been used in tens of thousands of different portfolios that comprise of more than 150,000 tradable stocks in about 30 countries. Much of these investors and investment entities utilize the software because of the listed calculations that calculate the volatility, expected returns, value at risk and many other algorithms.

Baby boomers can also benefit from the services provided by Macroaxis. It was recently announced that a new tool  was designed for baby boomers that have entered the age of retirement. This feature allows these individuals be their own money managers and allows investor to be “virtual financial advisers.” Retirees can operate functions that are currently in use by industry professionals and leaders in a more simple form.

Despite what age demographic or investment strategies customers may have, software such as this is developed to diminish the costs associated with market trading and investment platforms to make financial decisions user-friendly. You can forget the pressure and intimidation.

In the end, this type of entity and its software are intended to lower the costs involved with taking a step into the market and simplify the overall user experience without all of the intimidation and pressures.