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- Remove coming-soon banner from all pages (index, articles, SEO pages, legal pages) - Replace all "Get Early Access" CTAs with "Start Free Trial" → https://app.hoaledgeriq.com/pricing - Hero CTA updated to "Start Your Free 14-Day Trial" - Pricing section: replace static pricing grid with live iframe embed from app.hoaledgeriq.com/pricing - Add .pricing-embed-wrap / .pricing-embed / .pricing-embed-fallback CSS - Hide lead capture signup section (preserved with style="display:none" for future use) - Update footer "Early Access" → "Start Free Trial" across all pages - Update calculator CTA → https://app.hoaledgeriq.com/pricing - Remove "Coming soon to hoaledgeriq.com" copy from privacy/terms footers - Pages updated: index.html, styles.css, reserve-study-software.html, investment-management.html, special-assessment-calculator.html, privacy.html, terms.html, articles/index.html, articles/why-we-built-hoa-ledgeriq.html, articles/hoa-financial-blind-spots.html Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
339 lines
15 KiB
HTML
339 lines
15 KiB
HTML
<!DOCTYPE html>
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<html lang="en">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>HOA Investment Management Software - Maximize Reserve Returns | HOA LedgerIQ</title>
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<meta name="description" content="Maximize your HOA's investment income with AI-powered investment management. Smart strategies for reserve funds, operating accounts, and capital projects. Free analysis.">
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<meta name="keywords" content="HOA investment management, HOA reserve fund investment, HOA investment policy, HOA cash management, HOA investment strategy">
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<link rel="canonical" href="https://www.hoaledgeriq.com/investment-management" />
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<link rel="preconnect" href="https://fonts.googleapis.com" />
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<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
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<link href="https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap" rel="stylesheet" />
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<link rel="stylesheet" href="styles.css" />
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<!-- Google tag (gtag.js) -->
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<script async src="https://www.googletagmanager.com/gtag/js?id=G-RTWNVXPMRF"></script>
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<script>
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window.dataLayer = window.dataLayer || [];
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function gtag(){dataLayer.push(arguments);}
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gtag('js', new Date());
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gtag('config', 'G-RTWNVXPMRF');
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</script>
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</head>
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<body>
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<!-- NAV -->
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<nav class="nav">
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<div class="nav-inner">
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<a href="index.html" class="nav-logo">
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<img src="logo_house_transparent.svg" alt="HOA LedgerIQ" class="logo-img" />
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</a>
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<ul class="nav-links">
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<li><a href="index.html">Home</a></li>
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<li><a href="#features">Features</a></li>
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<li><a href="#strategies">Strategies</a></li>
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<li><a href="#calculator">Calculator</a></li>
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<li><a href="articles/">Insights</a></li>
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</ul>
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<a href="https://app.hoaledgeriq.com/pricing" class="btn btn-primary nav-btn" target="_blank" rel="noopener">Start Free Trial</a>
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<a href="https://app.hoaledgeriq.com" class="btn btn-outline nav-btn nav-login" target="_blank" rel="noopener">Login</a>
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</div>
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</nav>
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<!-- HERO -->
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<section class="hero">
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<div class="hero-glow"></div>
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<div class="container">
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<div class="hero-badge">
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<span class="pulse-dot"></span>
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Smart Investment Management
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</div>
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<h1 class="hero-headline">
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HOA Investment Management<br />
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<span class="gradient-text">That Maximizes Returns</span>
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</h1>
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<p class="hero-sub">
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Stop leaving money on the table. HOA LedgerIQ's AI-powered investment management
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helps you maximize returns on reserve funds while maintaining the liquidity needed
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for operations and capital projects.
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</p>
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<div class="hero-actions">
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<a href="#calculator" class="btn btn-primary btn-lg">Calculate Potential Earnings</a>
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<a href="#strategies" class="btn btn-ghost btn-lg">View Strategies →</a>
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</div>
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<div class="hero-trust">
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<p>✓ FDIC-insured options ✓ State-compliant ✓ Risk-adjusted strategies</p>
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</div>
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</div>
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<!-- Screenshot Carousel -->
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<div class="hero-visual">
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<div class="screenshot-carousel" id="screenshotCarousel">
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<div class="carousel-frame">
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<div class="carousel-slides">
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<div class="carousel-slide active">
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<img src="img/screenshot-dashboard.png" alt="HOA LedgerIQ Dashboard — Fund health scores, operating and reserve balances" />
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<div class="slide-caption">Dashboard — Fund Health & At-a-Glance Metrics</div>
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</div>
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<div class="carousel-slide">
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<img src="img/screenshot-cashflow.png" alt="HOA LedgerIQ Cash Flow — Projected balances with forward forecasting chart" />
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<div class="slide-caption">Cash Flow — Actuals & Forward Projections</div>
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</div>
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<div class="carousel-slide">
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<img src="img/screenshot-capital.png" alt="HOA LedgerIQ Capital Planning — Multi-year project timeline and budget view" />
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<div class="slide-caption">Capital Planning — 5-Year Project Pipeline</div>
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</div>
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</div>
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</div>
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<div class="carousel-controls">
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<button class="carousel-btn carousel-prev" aria-label="Previous screenshot">←</button>
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<div class="carousel-dots">
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<span class="carousel-dot active" data-index="0"></span>
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<span class="carousel-dot" data-index="1"></span>
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<span class="carousel-dot" data-index="2"></span>
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</div>
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<button class="carousel-btn carousel-next" aria-label="Next screenshot">→</button>
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</div>
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</div>
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</div>
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</section>
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<!-- PROBLEM SECTION -->
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<section class="problem-section">
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<div class="container">
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<h2>Most HOAs Are Losing Money on Their Reserves</h2>
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<div class="problem-grid">
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<div class="problem-card">
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<div class="problem-icon">💰</div>
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<h3>Sitting in Checking Accounts</h3>
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<p>Most HOAs keep reserve funds in non-interest-bearing accounts, losing 3–5% annually to inflation. That's thousands in lost income every year.</p>
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</div>
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<div class="problem-card">
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<div class="problem-icon">📉</div>
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<h3>Too Conservative</h3>
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<p>Even "safe" investments like money markets now yield 4–5%, but many HOAs still earn 0.01% in traditional savings accounts.</p>
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</div>
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<div class="problem-card">
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<div class="problem-icon">⚖️</div>
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<h3>Compliance Concerns</h3>
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<p>Board members worry about making investment decisions. What's allowed? What's safe? What fulfills our fiduciary duty?</p>
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</div>
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<div class="problem-card">
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<div class="problem-icon">📊</div>
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<h3>No Formal Strategy</h3>
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<p>Without a formal investment policy, HOAs miss opportunities and leave money on the table year after year.</p>
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</div>
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</div>
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</div>
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</section>
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<!-- SOLUTION SECTION -->
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<section id="features" class="solution-section">
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<div class="container">
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<div class="section-label">Smart Investment Management</div>
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<h2 class="section-title">AI-Powered Strategies for HOAs</h2>
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<p class="section-sub">Personalized investment recommendations tailored to your HOA's specific cash flow needs and risk tolerance.</p>
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<div class="solution-grid">
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<div class="solution-card">
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<div class="solution-icon">🏦</div>
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<h3>Operating Account Optimization</h3>
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<p>Keep 3–6 months of operating expenses in a high-yield account. Earn 4–5% APY with full liquidity. Typical HOA: +$2,000–5,000/year.</p>
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</div>
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<div class="solution-card">
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<div class="solution-icon">📈</div>
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<h3>Reserve Fund Laddering</h3>
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<p>CD and Treasury ladders matched to your capital project timeline. Earn higher yields on money you won't need for 1–5 years.</p>
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</div>
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<div class="solution-card">
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<div class="solution-icon">🎯</div>
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<h3>Investment Policy Creation</h3>
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<p>AI generates a compliant investment policy statement tailored to your state's HOA laws and your community's risk tolerance.</p>
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</div>
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<div class="solution-card">
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<div class="solution-icon">📊</div>
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<h3>Performance Tracking</h3>
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<p>Monitor investment performance across all accounts. Get alerts when rebalancing is needed or better rates become available.</p>
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</div>
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</div>
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</div>
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</section>
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<!-- INVESTMENT STRATEGIES SECTION -->
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<section id="strategies" class="strategies-section">
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<div class="container">
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<h2>Investment Strategies by Risk Level</h2>
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<div class="strategy-card conservative">
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<h3>🛡️ Conservative Strategy</h3>
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<p><strong>For:</strong> HOAs with low reserves or near-term capital projects</p>
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<ul>
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<li>✓ FDIC-insured accounts only</li>
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<li>✓ High-yield savings accounts (4–5% APY)</li>
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<li>✓ Money market funds</li>
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<li>✓ Short-term CDs (3–12 months)</li>
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<li><strong>Expected Return:</strong> 4–5% annually</li>
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<li><strong>Risk Level:</strong> Very Low</li>
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</ul>
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</div>
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<div class="strategy-card moderate">
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<h3>⚖️ Moderate Strategy</h3>
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<p><strong>For:</strong> HOAs with healthy reserves and a 2–5 year project timeline</p>
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<ul>
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<li>✓ Treasury securities (T-bills, notes)</li>
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<li>✓ CD laddering strategy</li>
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<li>✓ Government bond funds</li>
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<li>✓ Mix of liquid and term investments</li>
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<li><strong>Expected Return:</strong> 5–7% annually</li>
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<li><strong>Risk Level:</strong> Low</li>
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</ul>
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</div>
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<div class="strategy-card aggressive">
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<h3>📈 Growth Strategy</h3>
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<p><strong>For:</strong> HOAs with substantial reserves and a long-term horizon (5+ years)</p>
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<ul>
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<li>✓ Diversified bond funds</li>
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<li>✓ Conservative equity exposure (10–20%)</li>
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<li>✓ REITs for income</li>
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<li>✓ Balanced fund approach</li>
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<li><strong>Expected Return:</strong> 7–9% annually</li>
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<li><strong>Risk Level:</strong> Moderate</li>
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</ul>
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</div>
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</div>
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</section>
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<!-- CALCULATOR SECTION -->
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<section id="calculator" class="calculator-section">
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<div class="container">
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<h2>How Much Could Your HOA Earn?</h2>
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<p>Calculate the potential investment income your HOA is leaving on the table.</p>
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<div class="calc-wrapper">
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<div class="calc-input-group">
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<label for="reserveAmount">Total Reserve Funds</label>
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<input type="number" id="reserveAmount" placeholder="e.g. 500,000" />
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</div>
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<div class="calc-input-group">
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<label for="currentReturn">Current Annual Return (%)</label>
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<input type="number" id="currentReturn" placeholder="e.g. 0.5" value="0.5" />
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</div>
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<div class="calc-input-group">
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<label for="potentialReturn">Potential Return (%)</label>
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<input type="number" id="potentialReturn" placeholder="e.g. 5.0" value="5.0" />
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</div>
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<button class="btn btn-primary btn-lg" style="width:100%; justify-content:center;" onclick="calculateInvestment()">Calculate Potential</button>
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<div id="investCalcResults" class="calc-results" style="display:none;">
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<h3>Your HOA Could Earn:</h3>
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<div class="result-highlight">$<span id="yearlyGain">0</span> more per year</div>
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<p>That's <strong>$<span id="totalGain">0</span></strong> more over 10 years</p>
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<a href="https://app.hoaledgeriq.com/pricing" class="btn btn-primary" target="_blank" rel="noopener">Start Optimizing Today</a>
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</div>
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</div>
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</div>
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</section>
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<!-- COMPLIANCE SECTION -->
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<section class="compliance-section">
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<div class="container">
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<h2>State-Compliant Investment Guidance</h2>
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<p>Every state has different laws about HOA investments. HOA LedgerIQ keeps you compliant:</p>
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<ul class="compliance-list">
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<li>✓ Permitted investment types by state</li>
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<li>✓ Diversification requirements</li>
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<li>✓ Fiduciary duty guidance</li>
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<li>✓ Investment policy templates</li>
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<li>✓ Regular compliance updates</li>
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</ul>
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</div>
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</section>
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<!-- CTA SECTION -->
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<section class="cta-section">
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<div class="container">
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<h2>Start Maximizing Your HOA's Investment Income</h2>
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<p>Get personalized investment recommendations for your community — free during early access.</p>
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<div class="cta-form">
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<a href="https://app.hoaledgeriq.com/pricing" class="btn btn-primary btn-lg" target="_blank" rel="noopener">Start Your Free 14-Day Trial</a>
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<p class="cta-note">No credit card required · 14-day free trial · State-compliant strategies</p>
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</div>
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</div>
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</section>
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<!-- FOOTER -->
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<footer class="footer">
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<div class="container footer-inner">
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<div class="footer-logo">
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<img src="logo_house.svg" alt="HOA LedgerIQ" class="logo-img logo-img--footer" />
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<p>AI-powered HOA investment & finance management.</p>
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</div>
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<div class="footer-links">
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<div class="footer-col">
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<div class="footer-col-title">Product</div>
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<a href="index.html#features">Features</a>
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<a href="index.html#pricing">Pricing</a>
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<a href="https://app.hoaledgeriq.com/pricing" target="_blank" rel="noopener">Start Free Trial</a>
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</div>
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<div class="footer-col">
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<div class="footer-col-title">Pages</div>
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<a href="investment-management.html">Investment Management</a>
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<a href="reserve-study-software.html">Reserve Studies</a>
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<a href="articles/">Insights</a>
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</div>
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<div class="footer-col">
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<div class="footer-col-title">Legal</div>
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<a href="privacy.html">Privacy Policy</a>
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<a href="terms.html">Terms of Service</a>
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</div>
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</div>
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</div>
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<div class="footer-bottom">
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<div class="container">
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<span>© 2026 HOA LedgerIQ. All rights reserved.</span>
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</div>
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</div>
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</footer>
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<script src="app.js"></script>
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<script>
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function calculateInvestment() {
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const reserves = parseFloat(document.getElementById('reserveAmount').value) || 0;
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const currentRate = parseFloat(document.getElementById('currentReturn').value) || 0;
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const potentialRate = parseFloat(document.getElementById('potentialReturn').value) || 0;
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const yearlyGain = reserves * ((potentialRate - currentRate) / 100);
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const totalGain = yearlyGain * 10;
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document.getElementById('yearlyGain').textContent = yearlyGain.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});
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document.getElementById('totalGain').textContent = totalGain.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});
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document.getElementById('investCalcResults').style.display = 'block';
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if (typeof gtag !== 'undefined') {
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gtag('event', 'calculator_submit', {
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'event_category': 'conversion',
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'event_label': 'Investment Calculator'
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});
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}
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}
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</script>
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<!-- Support Chat Widget -->
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<script>
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(function(d,t) {
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window.chatwootSDK.run({
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