Automated Investing Account
Serious investing made seriously easy.
- Managed automatically, so you don’t need to talk to anyone
- Designed to maximize long-term, after-tax returns
- Build wealth with best-practice investing
Managed by us, built for you.
The Automated Investing Account is designed to make time-tested investing strategies accessible to everyone. We build and automatically manage a globally diversified portfolio for you in one account, utilizing low-cost index funds and proven best practices aimed at keeping your returns steady in volatile markets—and the proof is in the numbers.
Easy enough for first-timers
Beats high-yield savings over time
While high-yield savings offer a stable way to grow your cash, stocks have consistently rewarded investors who take on the added risk with better returns over time. To start, just answer a few questions and we’ll build you a diversified portfolio of index funds based on your situation and goals, that aims for lower risk than most single stocks or ETFs.
Managed for you to keep things simple
We put the best practices of investing to work for you every day. Our automation ensures your portfolio stays balanced to your risk level, dividends are reinvested, and everything runs smoothly in the background. That means you can invest on your own time, without ever having to talk to (or wait on) anyone else
The ideal way to learn how to invest
“I should have been more diversified” is a lesson most investors learn the hard way. The smartest ones learn it from the start. For as little as $500, this account helps you start investing the right way. As you build wealth, you’ll also build confidence and knowledge by watching our automation—and your diversified portfolio—work to make the most of your money.
Advanced enough for seasoned index investors
Improve your after-tax returns with Tax-Loss Harvesting
We believe the only way to reliably outperform the market is to improve your after-tax returns, and in 2012 we pioneered automation with the goal to do just that. Our award-winning software automatically captures daily losses from market movement—unlocking tax savings that, by our estimates, have covered our advisory fee more than 7x over.
Boost tax savings with direct indexing
For accounts over $100,000, you can incorporate direct indexing to further increase your potential tax savings. We’ll replace your US equities ETF with the individual stocks and completion ETFs that make up a large portion of the total US equity market. By owning hundreds of stocks instead of a single ETF, our software can find more opportunities to collect tax savings and lower your tax bill, further boosting your after-tax performance.
Customize without compromising
If you ever need to fine-tune your portfolio, you can change allocation weights and even add, remove and swap ETFs of your choosing. We’ll continue to manage your investments for you, and even apply Tax-Loss Harvesting to your chosen eligible ETFs too—something other platforms don’t offer.
Start investing with ease
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:
What is an OCIO?
An Outsourced Chief Investment Officer (OCIO) is a fiduciary partner that manages day-to-day investment responsibilities on behalf of an organization. Under this structure, the asset owner defines objectives such as return goals, risk tolerance, and spending policy, while the OCIO implements, monitors, and reports on the investment strategy in alignment with those objectives.
Who can benefit from the OCIO model?
OCIO services are designed for organizations that want to maintain control over their investment objectives while relying on professional management and oversight.
Examples of institutions that may benefit include:
- Endowments
- Foundations and other charitable organizations
- Pension and retirement plans
- Healthcare systems
- Insurance providers
- Trusts and other long-term investment entities
Why do organizations adopt OCIO services?
Many organizations engage an OCIO to strengthen investment governance, enhance oversight, and maintain consistency in executing policy decisions. The OCIO model allows boards and committees to focus on mission and strategy while delegating portfolio implementation to experienced professionals who operate within defined guidelines.
How can an OCIO help organizations with limited resources?
For organizations without dedicated investment staff, the OCIO provides professional management, reporting, and operational coordination. This structure can reduce administrative workload, allowing boards and employees to concentrate on the organization’s mission while maintaining sound oversight of invested assets.
How can an OCIO improve access to investment opportunities?
An OCIO often provides broader access to institutional investment opportunities that may be difficult for individual organizations to source or evaluate independently. By leveraging established research networks, manager due-diligence processes, and scalable investment platforms, the OCIO can identify and implement strategies across a wide range of asset classes. This approach helps align portfolio construction with the organization’s objectives and with the evolving opportunity set in the market.
How does an OCIO improve governance and decision-making?
An OCIO brings structure and accountability to the investment process. Rather than relying solely on periodic meetings or delayed data, the OCIO provides ongoing monitoring and can implement portfolio adjustments in accordance with established policies. This approach supports transparency, responsiveness, and clear documentation of fiduciary actions.
How can an OCIO support investment outcomes over time?
The OCIO model is designed to help organizations maintain alignment between their investment policy and long-term objectives. Through disciplined rebalancing, diversified implementation, and cost-efficient execution, the OCIO seeks to support portfolio consistency through changing market conditions.
How does an OCIO manage risk and enhance portfolio oversight?
An OCIO monitors portfolios on an ongoing basis to evaluate exposures, liquidity, and compliance with investment policies. By integrating research, analytics, and regular reporting, the OCIO helps identify potential risks early and provides visibility into how portfolio positioning aligns with defined objectives.
Can an OCIO help reduce costs or improve operational efficiency?
An OCIO can simplify investment operations by consolidating oversight, reporting, and manager coordination. Larger OCIO platforms may also have the ability to negotiate more favorable fees with investment managers, creating potential efficiencies that individual organizations might not achieve on their own.
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.