Best wealthfront portfolio reddit , of course it went up a I’m a bit confused that all of Wealthfront’s classic portfolio mixes include both Vanguard Total Stock Market ETF (VTI) and Vanguard Dividend Appreciation ETF (VIG). They are 99% the same. From their material: "Instead of using a single ETF (such as VTI) or index fund to invest in US stocks, US Direct Indexing purchases up to 100 or 600 (depending on your account size) of the individual stocks with the largest market capitalizations in the US equity market on a market-weighted basis, along with a completion ETF of smaller companies, to match the behavior of an ETF that seeks to It wouldn't be fair because neither WF nor a 3 fund portfolio is going to be 100% S&P 500. 5 that acts as a part of our emergency fund. The problem is that at the time, that was very risky. It's up to you what you want to do. Wealthfront Roth IRA is good if you're new to portfolio construction + management and/or want to just set-it and forget-it. The overall market has been pretty flat and thus your portfolio is too. Since being acquired by UBS they are more gimmicky but their core portfolio ideas are really excellent. Hey all. So you can't just compare them apples to apples. Been with Wealthfront since 2016 and had direct invoicing since 2018. this is the allocation wealthfront setup for me: VTI: 38% VTEB: 35% VWO: 9% VEA: 9% There’s a reason why Wealthfront’s expert portfolio recommendation is diversified beyond the S&P500. Automated bond portfolio vs automated index investing Sorry if this question is silly, but I am new to the world of finances. 25% fee) is 5. My risk tolerance is set at an 8. About six months ago I opened an automated investment account with Wealthfront. U. 90% of your Wealthfront portfolio is in stocks. Wealthfront's portfolios are far superior to the average suggested portfolio here. It comes with Wealthfront’s best-in-class automation features like tax-sensitive rebalancing and our Tax-Loss Harvesting service (which has historically generated more than enough tax savings to cover our 0. Hello - been reading a lot about the lazy 3-fund portfolio. My equity position is: 65% ETF (Wealthfront, taxable act) 35% stocks (overweight) Cool good for you to learn more about investing. If you want to automation you’re gonna have to pay a small fee. true. Wealthfront’s Automated Bond Ladder invests in a portfolio of US Treasuries, which are exempt from state and local income taxes, so you can earn more—and keep more—than you would with most savings accounts and some CDs. 1. Why is VXF so heavily overweighted in my portfolio? Does Wealthfront take into account assets in other brokerages that are linked to my Wealthfront? Posted by u/rosst3 - 16 votes and 8 comments Any portfolio can be backtested and critized with hindsight. If you face a different state tax rate the portfolio it gives you might be different (more corporate bonds, less treasuries, if you face lower state income tax rate, for example). It doesn’t represent the portfolio’s overall performance – just like any investment, the price of the ETFs in the portfolio may fluctuate day-to-day. Research how Wealthfront invests your funds, weigh the fees between the two platforms, and make a smart decision. I'm 33 years old but pretty conservative in my investments, so chose Classic with risk score of 4. It offers features like tax-loss harvesting, direct indexing, and cash management services. As a preface, I must state that I have had an after-tax brokerage account with Wealthfront for 4 years with a peak balance of $285,000 and that I am writing this as not a disparagement but rather a genuine, personal assessment of my experience with the company in the hope it may help to inform others and possibly lead to improvement. I set my close friends up this way rather than with brokerages due to the simplicity and effectiveness of them. This subreddit is not affiliated with U. I want to align my portfolio closer to this strategy. Over the last couple of years, the global market has trailed the S&P 500 returns so this would make sense if your wealthfront portfolio has trailed the index. It’s only about 5 assets in their taxable portfolio. Thanks! When my account hit the mark a few years ago, it seemed like Wealthfront automatically added these features to my portfolio. Open a fidelity or vanguard brokerage account and do your IRA there. To solve Wealthfront’s limitation on all deposits going toward the LOC, we opened two accounts — one is an individual account aimed at growth with a risk level of 9 and a joint account with a risk level of 1. Over a 30 year period a 50/50 stock/bond portfolio will almost certainly return less vs a 80/20 stock/bond portfolio . Also please suggest alternative etfs, stocks for a 26 year old to invest and hold till retirement. I am pretty happy with Wealthfront and have used them for 4 My expectation with the diversification Wealthfront offers was that when U. My question is, when these changes are made on wealthfront’s side and they sell/buy new stocks. If this is the prevailing opinion, maybe u/tony_wealthfront can pass the feedback along and give us an option to remove this from the home page. Incredibly risky. Completely hands-off yet still keep up appropriately with changes in your income/needs. Customizing your portfolio -- sure, other providers support this but not all make it as simple and seamless as our IRAs do. You don't need to go to Wealthfront to have a broadly diversified portfolio. . Your Wealthfront portfolio is sort of a whole market portfolio - it's a whole world portfolio with a large cap value tilt and emerging market tilt. For context, the highest risk automated investing account aims for volatility around 16% whereas the Bond Portfolio aims for around 3%. But you still want a certain amount of your portfolio in that asset class, based on your risk tolerance (i. Currently, I have $25K in a high-yield savings account (HYSA) and $11K in a high-risk automated stock portfolio with a 10/10 risk rating. 3. Also have a couple of separate trading accounts (one less risk-averse and the other ultra-aggressive) that have done well over a long period of time. Wealthfront aims to provide low-cost, diversified portfolios tailored to individual investors. It took a few months of reading to understand that Betterment and Wealthfront portfolios are actually very well designed. Wealthfront regularly scans your portfolio for unrealized losses, sells those shares and replaces them with very similar assets - capturing the loss but keeping you invested in that asset class. Recently I discovered Wealthfront, and was excited to setup a custom portfolio using some of the ETFs they've recently added. I'm a beginner investor and just started investing using wealthfront, i started with 5k initial investment and i'm transferring a % of my salary every week. I am sold and will forever invest 25% of my checks to the market. I have 5 ETFs I plan to invest in. As our portfolio optimization’s objective is to maximize after-tax yield of the portfolio, different tax brackets will impact the objective function and potentially result in different allocations. SoFi is aiming their robo downmarket. I'm looking into opening up a Roth IRA account (I'm 23 years old) and was dead sure to go with Wealthfront because I can already tell I'm a hands-off investor so I was attracted to the robo investing aspect of the app. For this to equal Wealthfront’s 0. In my mind it is criminal to pay the WealthFront fees for something so obvious. Centered on the community around Gherkinit / Pickle Financial's Youtube channel and financial due diligence but open to all looking to learn. In that time, I have been adding a consistent amount on a monthly basis. Hello All, I was checking portfolio allocation by risk score on Wealthfront this very morning cause I am thinking to change it. Can I get your opinions if this is a good portfolio mix. I asked about account type because you might want to think about the tax implications but since your just starting out like you are, you're fine just learning from WF and watching what it does with your investments. Posted by u/1one1000two1thousand - 1 vote and 3 comments A place to focus on learning and discussing the stock market (as well as some quality shit-posting and meme'ing opportunities). This is the portfolio I can set and forget it. Betterment, Wealthfront, Schwab, Fidelity. It took me a while to understand why investing only in QQQ or the S&P500 is risky and perhaps not the best thing to do. There’s zero reason to use Wealthfront for any kind of tax deferred account unless you like throwing away money. This seems fine, but the risk score changed from 10 to “custom. Wealthfront has always been the most pure robo play. It’s because they are competitors so they are rigging the linkage. S&P500 is responsible for around 80% of US Stock market cap, so I would expect the allocation of my portfolio to be roughly 20% VXF/VB, however, I am seeing over 40% allocated to that. Have you heard? Bonds are back! In the past year, bonds have gone from an investing afterthought to making headlines in The Economist, The NYT, The WSJ and beyond. Next, consider the fact that it costs $9/month to customize your portfolio on acorns. and you may not see direct indexing until it has been completely rebalanced. 79% when current high-grade bond yields are lower than that? Investing Questions This is probably a very dumb question, but I don't seem to be able to create a bond ladder with high-grade bonds that have higher yields. Get a fully managed, tax-optimized portfolio of bond ETFs designed to earn a higher yield than cash, and save you time and energy without sacrificing liquidity or taking on more risk with equities. 48% return, or 5. I went through a similar process about 6 mos ago evaluating my Betterment portfolio. Can anyone tell me at what frequency Wealthfront conducts trades on the automated portfolios? Is it hourly, daily, monthly, quarterly? Specifically… If Wealthfront truly doesn't restrict the use of loan proceeds, what's to stop a person with a $100k portfolio from borrowing $30k at the current interest rate of 3. United States has outperformed currently but over the long run, this leaves you vulnerable. Stock Investing: Wealthfront recently added a self-directed stock account, allowing you to buy individual stocks and ETFs commission-free. But don't undermine a successful strategy + backtesting helps to understand potential performance and risks. I'd recommend trying GPTQuant, a FREE conversational AI tool that simplifies backtesting and portfolio analysis. Here are some considerations: High yield savings/cash accounts: principal is guaranteed by FDIC; earns interest at set rate that can change over time, limited by federally set interest rates. Wealthfront's tax loss harvesting is strong. Therefore new funds may be used to buy bond ETFs, emerging ETFs, etc. 15 votes, 39 comments. In addition, Wealthfront won't let you deposit new funds into your account while you have a LOC out (it just pays down the LOC). Transferred all the money to self manage and try to 'condense' things. I like checking it to see how it would reinvest dividends/rebalance my account. Hey everyone! I'm really new to all this financing stuff, so I had a few questions. While I haven’t linked a Betterment account to Wealthfront, I can say that the fact that you were able to link it in the first place means that there probably isn’t some underlying problem with linking a Betterment account to Wealthfront. The reason being is that I thought they were overweight in dividend stocks especially in a taxable account and overweight in emerging market. Happy with my experience. I have no debt, and my risk tolerance is very high. " "Your assets are constantly monitored to follow portfolio rules that you set. Two questions, first is a bit more of a comment. I have some money invested in the WF automated bond portfolio. I dug through wealthfront’s FAQs and tried to google but I’m having a hard time understanding the difference. And Wealthfront does not invest in hundreds of ETFs in their classics portfolio. They share the following qualities: They’re curated by experts. What are your thoughts on raising US allocation, I understand this allocation is not meant to beat the S&P. That's a robo account that will grow with you into millions in holdings. Yeah, that’s getting a bit old. It's up to you whether you believe the additional funds Wealthfront needs to implement those tilts is worth it to you. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. ) I hit edit portfolio —> add investment —> direct indexing. SigFig was invested mostly in VTI, VWO, VEA, some in TIP, PCY and somewhere along the way dropped TIP and added SPAB and a little PCY, SPEM, SPDW, SPTM. This makes Wealthfront a solid choice for any investor comfortable with an Dec 17, 2024 · We offer a variety of expert-built portfolios for Automated Index Investing Accounts focused on different themes and strategies, but all are built with long-term (3-5+ years) investors in mind. 25% management fee, you would have to have an account valued at $42,300 in acorns. Wealthfront has about 1/3 of my taxable accounts. I think I Wealthfront has bond investments even at the highest risk level by default, but you can edit the portfolio and change that as you wish. 25%/yr All the best things to do, to see, and discuss in the San Francisco Bay Area! Members Online PSA for dog owners: there's a novel canine respiratory illness circulating. We made it. The risk associated with the Bond Portfolio is very low, especially when compared to a portfolio of globally-diversified equity index funds. Stocks are hit and miss with robo advisors but their HYSA is pure gold. The underperformance is killing me. I had money in Wealthfront for almost 10 years with about only a 5% return. This includes beginner questions and portfolio help. It's essential to carefully evaluate different platforms like Wealthfront and M1 to choose the one that best fits your needs. The Wealthfront portfolio is designed to generally follow the performance of the overall market (which time has shown is the smartest / safer method than trying to "pick stocks"). stocks (35% broad market, 10% dividend), would not rise as much, but when they dropped, the same Wealthfront portfolio would not drop as much. Whether you’re looking for a way to earn safe interest on extra cash you don’t expect to need right away, protect As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Interestingly, I'm leaning toward Wealthfront for a similar reason -- on the ETF level it has a simpler portfolio than Betterment (at my risk tolerance 5 ETFs at Wealthfront vs. I am planning to move it to my cash account or use it pay down some credit card debt. Now that I've got an account funded and am adding $100 per paycheck, I see that almost all of my auto-deposit will sit in cash for a long time because the ETFs I've chosen to put in my portfolio (e. I'm doing long-term investing so have kept a high risk portfolio (risk profile of 85), mostly following what wealthfront recommended (51% US stock, 17% foreign developed, 12% municipal bonds, 9% dividend growth, 12% emerging market). Start out at depositing 50k then add a little more and a little more. 40%) (SEPTEMBER 2023) Wealthfront will periodically calculate new target weights for Automated Bond portfolios using current yields and ask clients if they would like to adopt the new targets. Do what you want lol. 60% in US stocks). Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. On the first of every month, $1k is deposited into the account from my checking account. I'm holding a basic 3 fund portfolio, only slightly simpler than the one Wealthfront recommended by default. S&P500 is 500 of the US's largest companies by market cap. First of all, you haven't stated what percentage of your Vanguard portfolio is in each of the funds. You can leave your assets where they are. Also a bit overweight on individual stocks over etfs. " "Anywhere and Everywhere Rebalance with all your accounts in mind, optimized for tax efficiency. They also limit to 45% US stock exposure by default, while Schwab allows a majority to be US based investments. Instead, it seems I'm gaining less and losing more. Wealthfront works best when you do all ETF and index fund investing only with Wealthfront to avoid wash sales with Tax Loss Harvesting. 11 at Betterment) so Wealthfront's portfolio would be easier for me to manage on my own if I want to leave. I know things are all over the place right now but stick with it! I have a couple different brokerage accounts but recently increased my contributions with wealthfront, as my account is up 28% since I started it a couple of years ago (it was recently hovering at 40%) and it's crushing everything else I'm in. Best thing to do is what I did. Who is Wealthfront Best For? Wealthfront is a great choice for: Hands-off investors: If you prefer to set it and forget it, Wealthfront's automated investing takes the guesswork out of managing your portfolio. Needless to say, I was a bit frustrated. I believe there's a lot of repetition or things that can be sold to reinvest in other. use the following search parameters to narrow your results: subreddit:subreddit find submissions in "subreddit" author:username find submissions by "username" site:example. 2) Important: We have strict political posting guidelines (described here and here). Yeah, it's pretty easy. My portfolio breaks down as follows: 45% US Stocks (VTI & ITOT) 15% Municipal Bonds (VTEB As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Here's what you'll get in your main taxable brokerage account at Wealthfront: -automated tax-loss harvesting (this is our biggest differentiator and still what we do best that no one else can compete with) -direct indexing at 100k -automated rebalancing -pre-built portfolio of ETF tailored to your risk score (you can customize as well) Please note that as a topic focused subreddit we have higher posting standards than much of Reddit: 1) Please direct all advice requests and beginner questions to the stickied daily threads. The challenge I am facing is that a large portion of my portfolio is allocated within wealthfront. Big on dividends. I can open a Fidelity taxable account and build the same exact portfolio Wealthfront built for me, for free. (Respectfully, of course) As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. I landed on Wealthfront due to their tax loss harvesting as Betterment didn’t use to offer it and I have no idea if they do now. I know people say you need to evaluate it over a long period of time, but I'm quite sure the S&P 500 and thus something like VOO will still do better over the long-run given the Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever incentive you're offered. I like VOO, but personally love blue chip growth funds. You are losing over 1% of your gains every year. V00 - Large cap SP500 (20%) IVOO - Mid cap SP400 (20%) VTWO - Small cap Russel 2000 (20%) The "Rebalancing" on Wealthfront automated accounts is very aggressive, and I was wondering if there could be a feature developed to configure rebalancing on a *CADENCE* instead of immediately upon portfolio "non-conformity" Cadenced rebalances would allow for less overall trades, and they would allow for wider variation if there are any Wealthfront Bond Portfolio: contains a mix of treasures + corporate bonds, current 30-day SEC yield (net of the . I am running a customized portfolio after being a risk 10 with them for a 6-7years. I use a two fund portfolio and easily TLH: VTI -> ITOT, VOO, SCHB VGIT -> SCHR, BND If you opt for international VXUS can be swapped for IXUS or many others. The blended 30-day SEC yield provides a snapshot of the income generated by the portfolio ETFs in the past 30 days, but it doesn’t predict future returns. --Cash Account: Best for your daily expenses and your emergency fund, until you’re ready to invest. Citizenship and Immigration Services or the Federal Government of the United States. The features they provide may help you do that better than others, but you can buy and hold anywhere… part if the excitement with m1, wealthfront, betterment, are the constant improvements and features to make that easer, however small they may be. I looove the cleanliness of the Wealthfront interface and I’m bummed about having to look at this “account” that I didn’t opt into and will never use. My portfolio breaks down as follows: 45% US Stocks (VTI & ITOT) 15% Municipal Bonds (VTEB But you still want a certain amount of your portfolio in that asset class, based on your risk tolerance (i. They are far superior to even the top 5% of portfolios posted here. My portfolio is a lil custom now since I changed it once option opened as I felt international was too heavy for my liking and I invest around 2K/month. Wealthfront says the portfolio is tailored to your tax situation, so this is the portfolio it gave me based on my state income tax rate. If you put 90% of your three-fund portfolio in stocks, you would have similar results. Your inability to link it the second time was probably a glitch I’ve recently got into learning about wealthfront and investing this year. ” As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Im very new to investing, please provide feedback on this portfolio it created. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. If you want a more simplified 3 fund portfolio you can customize it as well. Just kidding. If the fee bothers you simply do a 3 fund portfolio and automate buys on Fidelity or Vanguard. You can also learn on your own and avoid paying fees. 66 a month?). I'd like to switch my Roth from Wealthfront's portfolio to a self-managed series of Vanguard ETFs so that I don't have to pay Wealthfront's advisory fee, which I learned doesn't make sense to pay without the advantage of tax-loss harvesting (which a Roth is not Hi all. You have international bonds but no international stocks. I specifically am holding EMB at 6% of my portfolio in the Classic Wealthfront portfolio. --Automated Bond Portfolio: Increase your earning potential on extra cash with low volatility. Is my best strategy to just check Wealthfront's recommended allocations for 10/10-risk every few months to see if it's changed, and if it has, tweak the allocations—of that 90% chunk of my portfolio—to match as close as possible? I just found out how powerful compounding is. Both M1 Finance and IB are offerring a much better rate. Honestly, just buying TSLA from when it was below $50 would have beaten any index easily. I was seeing, for risk 8, something similar (I do not remember exactly) VTI 45% - VTEB 16% - VIG 9% - VWO 15% - VEA 15%. What I did was just transferred everything to M1 Finance from Wealthfront (there's no fee) and replicated my Wealthfront portfolio (along with the percentages for each ETF). I've had wealthfront since Jan 2021. I'm 25 years old and have a solid income that enables me to contribute $1,200 monthly to my Wealthfront portfolio. Wealthfront determines the optimal mix of our chosen asset classes by using Mean-Variance Optimization (Markowitz, 1952), the foundation of Modern Portfolio Theory. We’ve been into bonds since before they were cool, and today we’re delighted to announce our Automated Bond Portfolio: a first-of-its-kind, diversified selection of bond ETFs, optimized to earn a higher yield than a savings Hey Everyone! Looking for feedback on an equivalent Vanguard ETF portfolio to match the new Wealthfront Automated Bond Portfolio. However, as I was researching more into Roth IRAs and Reddit, people I currently have a Roth IRA with Wealthfront that uses Wealthfront's traditional automated investment portfolio, which charges fees. 5. I also liked how the portfolio composition is very simplified and straightforward. I manage the rest on my own in what is well on the way to becoming a ~4 or so fund Jack Bogle-style "lazy portfolio" (in the form of two separate accounts for taxable and IRA). 69%, offers tax advantages due to treasuries exposure as well, fees are . To date I've put $12k into the account. Citizenship and Immigration Services (USCIS) is the government agency that oversees lawful immigration to the United States. newbie here. However the 50/50 one will be more stable and give you smaller but more constant returns will less draw downs. g. US, emerging markets, developed markets, muni bonds, and dividend growth stocks. 4. Honestly all of these robos are the same. 0 out of 10. For example, an aggressive mix from them is something like this: 45% Vanguard Total Market ETF (VTI) 20% Vanguard FTSE Developed Markets ETF (VEA) I am in a higher risk (8 out of 10) Wealthfront portfolio which is in VTI (45%), VTEB (16%), VEA (15%), VWO (15%), VIG (9%). I’ve been with them for two tax years now and their harvesting has offset thousands in “fun” gains. A great starting point but not the end of building a well diversified portfolio. The index fund invested accounts have gained 7-8% this year, while my WF account has been completely flat basically since I opened it 3-4 years ago (e. Just make sure to do a slightly different strategy to avoid wash sales which defeats the purpose of using Wealthfront for taxable accounts. Wealthfront has been invested in mostly in VTI, VWO, VEA, some XLE, VIG and added VTEB somewhere along the way. This is the current portfolio that's already the cleaned up version. They’ve mathematically projected a forward-looking return over the long-term that’s achievable with less volatility through a global investment strategy, instead of just US Stocks. e. They are far superior to the portfolios that people here settle on after lengthy debate and discussion. You could do that in the individual stock portfolio (instead of automated portfolio) and skip the advisor fee. Any rebalancing needed with this adjustment will be carried out using the same tax-aware rebalancing that we use in all of our Automated Investing Account portfolios. The output of the optimization is a collection of portfolios that generate the maximum return at each level of targeted risk, or equivalently, minimize the level of risk for a As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Jan 2, 2025 · Wealthfront is the winner of Best Overall and a number of other categories in our 2024 Robo-Advisors Review. Sorry for any confusion here. I find Wealthfront to be a great option with robo By allowing a Wealthfront investor to hold the individual securities that comprise an index directly, US Direct Indexing reduces the overall portfolio cost from ETF expense ratios. Wealthfront and Betterment are still by far the best. Best of luck. If interested I can dm you my referral link. stocks rose, my Wealthfront portfolio, which is 45% U. The classic allocations used for our portfolios are diversified across the global market so it’s likely only 30-50% allocated in the S&P 500. Secondly, you're doing the three fund portfolio wrong. It is not like you threw it all into single stocks. What Wealthfront is doing is trying to give you the best chances of sustained growth. Listened to a couple podcasts on why tax loss harvesting may not be as good as advertised and further that single stock directing indexing can make it much harder to move brokers without punitive capital gains due to sales of the individual stocks. If all you want to do is buy S&P 500 then it may be best to just buy a low cost S&P 500 index fund (such as VOO) and call it a day. Since the start of last year I've made thousands appear out of thin air because of Wealthfront's 5% yield. Now, it seems like you need to go in and add them manually. I haven't seen any significant returns on that. I don't use this in retirement accounts. Edit to add: The primary benefit to Wealthfront automated investments is the ability to be hands off. When Wealthfront advertises “5. 48% Blended 30-day SEC yield, after our advisory fee” does that mean an annualized 5. It ingrains in you what having an asset allocation means. I'm considering pulling it and replacing it with domestic debt or instruments with a similar risk profile. 25% annual advisory fee for clients using our Classic portfolio). You can hire a financial adviser full time, hire a fee only financial adviser as keshlam said, or use something like WealthFront. "Automate portfolio rebalancing across all your brokerages, 401Ks, RSUs…" "No Money Transfer - Easily turn it off and on. Ideal when saving for purchases in the next 1–3 years. Wealthfront: Wealthfront is another prominent robo-advisor that provides automated investment solutions. I have changed my portfolio maybe a few times just recently. Furthermore, by directly owning the stocks that comprise an index, investors can harvest losses at the individual stock level. The Automated Bond Portfolio: Small on risk. I'm looking for your thoughts on holding EM Debt in a long-term buy-and-hold IRA. , VTSAX). Short-term Treasuries SCHO 30% GBIL 30% Corporate Bonds USHY 15% SYHG 15% Floating Rate Bonds FLRN 8% Long-term Treasuries VGLT 2% Thanks - funny enough I was just thinking about sending Wealthfront an email about this. com Sep 12, 2024 · So there are a few approaches to this and you have to decide what is right for you. 6% and investing that $30k via Robinhood or some other platform? Long-term investors should expect to earn quite a bit more than 3. The fairer thing to look at is the composition of the funds Wealthfront wants to put you in with compared with your ideal 3 fund portfolio you would be most comfortable with. Thanks In advance. As another metric, let’s say you have $10,000 in acorns paying the $9 fee. QQQ) are expensive—much greater than my $100/paycheck contribution This subreddit is a place where high income professionals of all types can ask, answer, discuss, and debate the personal finance and investing questions specific to our unique situations without being criticized, ostracized, or downvoted simply for having a high income and "first world" problems. “Buying and holding” is a choice, not a decision that a platform makes for you. I'm on WF since Oct 2019. This is their most recent recommended allocation they raised US allocation a couple months ago. Any strategies to help improve things? though time weighted return looks good; in reality the net is just 1K over what I deposited in a portfolio of over 50K. See /Boglehead As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Members Online Marcus Goldman Sachs High Yield Savings Account Referral Bonus - ADDITIONAL +1% APY (5. Wealthfront built you a "Boglehead" style portfolio and is fine. Posted by u/Disastrous-Offer3237 - 6 votes and 23 comments Wealthfront consists of my post tax investments. How is the Wealthfront automated bond portfolio 5. My portfolio will also change to direct indexing soon, if that changes anything. 6%, which means this strategy would be profitable. 48% return every month? So for example, if I invested $10,000 into a Wealthfront automated bond portfolio, would I be earning $548 every month, or $548 over a year (approx $45. It's hard not to compare my Wealthfront account performance vs Schwab and Vanguard taxable accounts that are invested in total stock market index funds (e. " If your portfolio has deviated against the risk profile targets, the money you add after that $100k may be used to rebalance the portfolio according to the risk profile. S. However, we find that the optimal portfolio allocations are insensitive to the exact choices of tax rates. The Stock Investing Account: You asked for it. qnkvgz irs fzc xzyrmpmc gyax yeug zqz jkfic spn anppj