Automated Investing, Tailored to You
Real investing made simple.
- Your portfolio is built, managed, and rebalanced for you
- Designed to grow your wealth over the long term
- Built on disciplined, time-tested investing principles
Managed by Us, Built for You.
Gaard Capital makes professional, time-tested investing accessible. We build a diversified portfolio around your goals and risk level, then manage and rebalance it for you in a single account. Our models favor low-cost funds and a disciplined, rules-based method designed to manage risk through changing markets.
Simple Investing,Fully Automated
Our team designs the portfolios. Our platform runs them. Here's the work that comes off your plate.
HOW IT WORKS
How Automated Investing Works
Open an account in minutes and our automated platform builds, manages, and rebalances a diversified portfolio of low-cost ETFs tailored to your goals.
Complete a Short Questionnaire
A few questions establish your goals, risk tolerance, and timeline.
Get a Diversified Portfolio
We build a globally diversified portfolio of ETFs matched to your risk profile.
We Manage It From There
Our platform monitors your portfolio and rebalances it as needed to keep it aligned with your target allocation.
Risk Levels
A Portfolio for Your Risk Level
Your questionnaire places you on a ten-level scale. The level sets how the portfolio is divided between equities, fixed income, and cash, and every level stays diversified across global markets.
Illustrative allocations only. Actual portfolio allocations may vary.
Start investing today
We’re here to help when you need us
Our app makes managing your portfolio easy, but sometimes, it’s just easier to talk to a person. That’s why we have a merry band of certified professionals standing by to answer your questions.
Contact Us Below:
FAQ
Still deciding whether we are right for you? These questions may help. You can also review our Form ADV Part 2A brochure.
Is it complicated to set up?
No. You answer a few questions about your goals and risk tolerance, and we build a portfolio matched to them. Once you fund the account, we invest it according to the plan you approved.
What if I do not like your picks? Can I choose my own investments?
Yes. You can customize your Core or Socially Responsible portfolio, or build one from scratch. Choose from hundreds of ETFs across sectors, asset classes, and markets, and set your allocation weights however you see fit.
What if I want to pull my money out?
It is your money. You can request a withdrawal through Interactive Brokers’ secure portal at any time. Invested holdings are sold first and settle before the cash is available, usually within a few business days. Taxable accounts have no withdrawal restrictions; retirement accounts follow the usual IRS rules.
What will it cost me?
Gaard charges an annual advisory fee of 0.125 percent of the assets we manage for you. That is separate from the expense ratios charged by the funds in your portfolio, which are paid to the fund providers, not to Gaard. Full details are in our Form ADV Part 2A brochure.
How do I fund my account?
You fund your account through Interactive Brokers’ secure portal, our custodian. Link a bank account and make a cash deposit, which typically settles in two to three business days. You can also transfer in an existing brokerage account (see the next question).
Can I transfer an existing investment account over?
Yes. Before anything sells, we show you exactly which positions would be liquidated to fit your target portfolio and the estimated tax that would realize. After you review and consent, you complete the transfer in Interactive Brokers’ secure portal.
Is my money protected?
All investing involves risk, and your investments are not protected against market losses. Your assets are held at our custodian, Interactive Brokers, a member of SIPC. SIPC protects customer assets if a member brokerage fails; it is not insurance and does not cover market Losses.
Can this help me save for retirement?
Yes. You can open a Traditional, Roth, or SEP IRA, built on the same platform as our taxable accounts.
Do you offer account types other than individual?
Yes. You can open an individual, joint, or trust account, as well as Traditional, Roth, and SEP IRAs.
What should organizations look for when choosing an OCIO partner?
Key factors include fiduciary alignment, investment philosophy, transparency in communication, and experience with similar types of institutions. It is important to evaluate how an OCIO’s governance model and decision-making process integrate with the organization’s existing oversight framework.
Is every OCIO engagement the same, or can it be customized?
OCIO relationships can be structured to meet each organization’s specific needs. Some clients delegate full discretion for portfolio implementation, while others retain certain responsibilities such as manager selection or policy updates. A tailored OCIO arrangement can reflect the governance structure, objectives, and operational capacity of each organization.