The share price of Investview, a direct marketer of alternative financial products and services in more than 100 countries has exponential appreciation potential.  With recent product launches by two of Investview’s wholly owned subsidiaries the company has entered into two fast growing markets; Big data and robo trading. The subsidiaries’ products provide Investview with new streams of recurring revenue which have high profit margins:


  • Technology subsidiary SAFETek LLC (“SAFETek”) launched Apex, a unique program which enables an individual or corporation to purchase customized high-speed computing equipment.  The purchaser then leases the equipment back to SAFETek, which has entered the HPC (high performance computing) industry to service the growing needs of 4IR (Fourth Industrial Revolution).  Under the terms of the leaseback the purchaser receives a compounded annual return of 22% for five years.  The company also entered into a joint venture to market and sell the Apex product. See March 18, 2019, press release “The Bull is Big Data”. 

The new products enable the 15,000 international distributors of its third subsidiary, Kuvera LLC (“Kuvera”) to address a growing group of global millennials who prefer to manage their own investments but desire managed trade services at the same time.  Additionally, the crypto currencies entering the world stage in 2017 created a new generation of individuals who are inclined to trade. They now seek products and services to provide them with an edge to trade crypto and foreign currencies, stocks, options, commodities and futures.   

The three subsidiaries will enable the company to exponentially increase its revenue and to become profitable in its fiscal year ended March 31, 2020.  Based on my analysis of Investview’s SEC filing about the joint venture and the March 18, 2019, The Bull is Big Data” press release its quite possible that SAFETek’s recurring revenue could grow to $40 million per month by 2021.  Should this happen the share price could go from pennies to dollars. Below is a rudimentary outline for what I discovered in my research:

  1. SAFETek, under the joint venture agreement, is obligated to reinvest a majority of its profits from sales of the cards and the revenue from the cards it leases to purchase processing cards.  Thus, based on my calculations, the cards which SAFETek owns will quickly outnumber the cards it leases.

  2. The projected monthly gross revenue for SAFETek per each Apex chip or processing card is $1,250.

  3. The break-even monthly revenue per card starts at $527 and based on the projections, which include SAFETek’s agreed to reinvestments as per the joint venture terms and conditions, it will decline to $327 at the point at which the first profit threshold for the joint venture is met.

  4. APEX processing cards can be utilized to mine for Alt-coins which can be easily converted into Bitcoins.

  5. Proformas indicate that within 24 months SAFETek could have as many as 36,000 Apex units generating monthly revenue in excess of $38 million.

  6. SAFETek has the ability to scale rapidly to over 100,000 APEX units.

The Big Data Analytics industry is projected to grow at a 29.7% compound growth rate to $40.6 billion by 2023, from $8.5 billion in 2017.  In the new decade beginning 2020 most businesses will not be able to remain competitive unless they have the ability to quickly analyze large quantities of real time data.  A good example of a business which uses big data analytics is Wal-Mart, who utilizes computers to determine inventory replenishment, pricing, and consumer behavior, etc. See Forbes, “How Walmart Is Using Machine Learning AI, IoT And Big Data To Boost Retail Performance”.  Since big data analysis consumes significant computer power it requires that significant capital expenditures be made for specialty hardware by any business that intends to utilize big data analytics.  See Infoworld, Big data demands more than commodity hardware” and “Wal-Mart gaining on Amazon using big data a massive new server farms”, Enterprise 360.   

Investview’s goal is for SAFETek to become the leading provider of big data analytics to small and medium size businesses.  The company has deployed a unique dual wholly owned subsidiaries strategy to capitalize.  

  • Its direct marketing subsidiary Kuvera markets and sells SAFETek’s APEX processing cards to individuals, etc., for $15,000 per card.


  • SAFETek then enters into a 60-month lease for $500 per month with each equipment purchaser.  The annual rate of return for the purchaser is a compounded 22%.  


  • Since the purchased equipment has a serial number it can be depreciated by a US taxpayer to increase his or her after-tax return. 


  • The purchaser of the equipment is not required to be an accredited investor.   


  • The Kuvera distributor of the equipment does not have to be licensed to sell investments. 

The strategy is brilliant.  SAFETek is going to be able to leverage the balance sheets of hundreds of thousands, if not millions to enable it to have the equipment in place to become a leader in big data analytics.  

Included with the purchase of a APEX card is the paid premium for a Total Protection Plus insurance policy.  The policy guarantees the purchaser the full repayment of the principal in the event that SAFETEK becomes unviable. Total Protection Plus is a subsidiary of UIU, United International Underwriters, a global insurance brokerage firm. The Total Protection Plus Program is insured and reinsured only by insurance companies that maintain an ‘Excellent’ financial strength credit rating by third party monitors such as AM Best, Moody’s and Fitch. Our Insurers have been in business up to 125 years and are globally recognized.  The insurance makes it much easier for the Kuvera distributors to sell the Apex cards. Another factor to consider is that Kuvera’s distributors are experienced at selling crypto currency mining equipment. For its last two fiscal years ended March 31st of 2018 and 2019, the company sold an aggregate of $5.9 million of crypto currency mining equipment and services. 


SAFETek is in a great position to have its cake and eat it too.  The wholly owned subsidiary can utilize the APEX cards to produce revenue from mining altcoins which can be converted into Bitcoins and easily sold until it builds out its base of big data analytics clients.  Obviously, investors have missed this. Otherwise, the share price on July 17, 2019, would not have been a penny below the $0.028 price on March 18, 2019, the date of “The Bull is Big Data” press release. Over the same period the price of a Bitcoin increased to $13,826, compared to $3,988 on March 18, 2019.  The spike in the price of a Bitcoin has increased the revenue and profit margin for every APEX card that SAFETek leases and purchases. Assuming that the price of a Bitcoin remains does not crash back to its March 2019 level the timetable for the joint venture to reach the $20 million in pre-tax income target for Investview has been accelerated.  The significant appreciation of a Bitcoin during the second quarter of 2019, has lowered the risk for Investview and its shareholders.

Investview’s Safe Management LLC., registered investment advisor subsidiary is on forefront of the $88 Trillion investment management industry.  The Wealth Builder product with a minimum investment of $2,500 is the first investment management product available to the masses which incorporates both publicly traded and private equity securities investments.  With the Kuvera Wealth Builder 90% of the investor’s funds are utilized to trade long and short ETFs which mimic the performance of the S&P 500. The remaining 10% is invested into a diversified portfolio of private startups.  

What is neat about the Kuvera Wealth Builder is that the subscriber deposits his or her funds into one brokerage account at online broker ChoiceTrade.  The firm is presently the only online broker that provides the ability for the investor to invest in the securities of public and private companies. After the funds are deposited Safe Management provides the instructions for the buy and sell orders for both the private and public securities.  For doing this Safe Management receives an assets under management fee which is paid at t

he beginning of each month.   The fee is deducted from the client’s account by ChoiceTrade and paid to Safe Management.  ChoiceTrade which is also a recommendation also executes all of the robo trades for Safe Management.        

The Bull & Bear Tracker’s signals are ideal to power investment management fee products.  The securities or ETFs that it trades are the most liquid in the world. The signals that it published between April 9, 2018, its launch date and June 30, 2019, generated a gain of 32.2% vs. 13.2% for the S&P 500.  Its back tested signals which had 66% less risk than its published signals produced a gain of 54.6% for the same period. See July 12, 2019, Track record report.  Most notably, the statistics in the table below depict that the Bull & Bear Tracker’s back tested signals for the 18 months ended June 30, 2018 were less volatile than the S&P 500 for each of the investing time horizons. 

The Bull & Bear Tracker’s published and back tested signals consistently outperformed the S&P 500 and especially during the S&P 500’s worst two months from January of 2018 through June 2019.  

Because the Wealth Builder has the ability to outperform the S&P 500 in both up and down markets the product has the potential to go viral.  Assuming that Safe’s clients invest a fraction of their liquidity to test the Wealth Builder, and assuming that it continues to outperform the S&P 500, it could result in Safe’s clients continuing to commit a higher and higher percentage of their assets to Wealth Builder.  

Safe Management is the first registered investment advisor, who I am aware of to provide a fully integrated private and public investments solution for their clients.  They are on the cutting edge for the transformation of the global investment management industry. See Deloitte report “10 Disruptive trends in wealth management”.   

For its Fiscal year ended March 31, 2019, Investview reported net revenue of $29,659,081 and a loss from operations of $3,940,856.  This compared to revenue of $17,917,432 and a loss from operations of $10,676,154 for the March 31, 2018 fiscal year.  Investview’s losses have been gradually declining due to its revenue increasing and the commissions that it has to pay out to its distributors declining from 80.6% of revenue in fiscal 2018 to 72.6% in fiscal 2019.  In an SEC filing it disclosed that its goal was to pay out a maximum of 60% in commissions.  

My prediction is that Investview will be profitable and cash flow positive for its fiscal year ending March 31, 2020.  The company’s two wholly owned subsidiaries have APEX and Wealth Builder which are each capable to produce the revenue and profits to enable Investview to become profitable.  The two subsidiaries, SafeTek and Safe Management do not pay any commissions on the revenue that they receive from their new products.  

Based on my in-depth analysis my projection is that Investview soon could be reporting the financials, including the revenue growth rates and profit margins to support a market cap of $1 billion and a share price of $0.37 by end of 2020.  The company now has the products and the infrastructure to support a six-fold increase to 100,000 or more distributors. Assuming that the company produces the financial results to support a billion-dollar market cap by the middle of 2020, the value of Investview could potentially get to $5 billion and a share price of $1.50 by 2025.  Should subsidiaries SAFETek and Safe Management gain traction over the next few months the share price could go to a new two year high by the end of 2019. 

To minimize risk and to maximize returns, Shiny-Pennies suggests that its published price limits be adhered to.  Orders to purchase shares at market or above our published price limit should not be utilized. It’s especially since there are known hedge funds who hold millions of shares.  In June of 2019, a hedge fund sold a significant quantity of shares over a five-day period. The result was that the price declined from above two cents to a half a penny. Shiny-Pennies price limits are updated regularly and are posted at and sent by text to all subscribers.   

  • Disclosure: I am the startups expert for Kuvera and am paid $2500 per month.  Kuvera is a wholly owned subsidiary of Investview. I do not own any shares of Investview.