Goodbye guesswork. Hello robo.
Whether you’re new to investing, low on time or seeking a helping hand, you’re in the right place. With an Ally Invest Robo Portfolio, count on us to do the heavy lifting.
Made for you, monitored by us.
Automated investing means we’ll manage your portfolio. Our robo-advisor does all the work, so you don’t have to.
Diversification simplification
Invest broadly with a portfolio that’s expertly built to include a blend of diversified exchange-traded funds (ETFs).
Start investing with $100.
No deep pockets necessary. We only require $100 minimum.
Cushion with cash, or put more in the market.
You choose the best fit for your portfolio’s funds.
Cash-enhanced portfolio
Consider if: You want added security in an inconsistent market.
Market-focused portfolio
Consider if: You want most of your money in the market.
Keep in mind, the interest rate is variable and may change after you open your account. Rate is accurate as of 9/26/2025.
An automated approach for the busy, hands-off investor.
Let’s lighten your load. Here’s how.
Fee-free rebalancing.
We’ll review your portfolio daily and rebalance it as needed (for no extra fee).
Check in, day or night.
Keep tabs on your performance 24/7, plus easily update your goals anytime as things change.
We’re here to help.
Call, chat or email us, or ask for a portfolio specialist. Your questions are always welcome.
Meet our portfolios.
We’ll help you choose the one that best aligns with your future goals.
Core
Highly diversified across domestic and international assets. You can choose the amount of risk you are comfortable with, from conservative to aggressive. If you’re more of a hands-off investor, consider this portfolio type.
Income
This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile. Consider this portfolio type if you’re most focused on yield and income.
Tax optimized
If you make after-tax contributions to an investment account, this type of portfolio may help maximize your investments. If you’re looking to invest using a diverse mix of tax-advantaged, low-cost exchange-traded funds, consider this portfolio type.
Socially responsible
Similar to our core portfolio, with greater weight given to companies that benchmark providers note as having strong environmental, social or governance qualities. Consider this portfolio type if investing in companies deemed socially impactful is important to you.
From uninvested to in the market, just like that.
We’ll guide you along. Give it a go.
But first, your goals. We’ll start by asking a few questions to uncover your investing goals. We’ll then use your answers to find you the right blend of diversified ETFs.
The big reveal. Drumroll optional as we unveil our recommendation to you. Choose to take it or leave it — customize until you’re comfortable with your balance of risk and return.
Investor status activated. Once you’ve locked in your portfolio and added a minimum of $100, you’re in. Best part? We’ll take it from there. Peek at your portfolio’s progress or make changes anytime, day or night.
Deep dive on all things investing.
The more you know, the more you grow.
FAQs
We have answers.
It depends on the account. There's no minimum deposit required to open a Self-Directed brokerage cash account. Self-Directed brokerage margin accounts require a $2,000 minimum deposit.
Robo Portfolios require a $100 initial minimum deposit.
To participate in Personal Advice, we require a $100,000 minimum in assets under care. Assets under care are investments and money that will be held in your Personal Advice accounts and managed by us.
Most foreign citizens with a valid Social Security number who legally reside in the United States full-time may open an Ally Invest account.
All customers, including United States citizens, must be living in the United States to open an Ally Invest account, though we may make exceptions for active military personnel stationed abroad.
As a member of the Securities Investor Protection Corporation (SIPC), funds are available to meet customer claims up to a ceiling of $500,000, including a maximum of $250,000 for cash claims. For additional information regarding SIPC coverage, including a brochure, please contact SIPC at 1-202-371-8300 or visit www.sipc.org.
Our clearing firm, Apex Clearing, has also purchased an additional insurance policy through a group of London Underwriters (with Lloyd's of London Syndicates as the Lead Underwriter) to supplement SIPC protection. This policy becomes available to customers in the event that SIPC limits are exhausted and provides protection for securities and cash up to an aggregate of $150 million. This insurance is provided to pay amounts in addition to those returned in a SIPC liquidation proceeding. It’s limited to a combined return to any customer from a Trustee, SIPC and London Underwriters of $37.5 million, including cash of up to $900,000. Like SIPC protection, it doesn’t protect against a loss in the market value of securities.
Ally Invest Advisors Inc. offers the following variety of account types:
Individual
Joint
Custodial
Traditional IRA
Roth IRA
Rollover IRA
Accounts managed by Ally Invest Advisors Inc. are offered through our affiliate broker dealer, Ally Invest Securities LLC.
Ally Invest Securities LLC clears and settles trades through Apex Clearing Corporation, an unaffiliated clearing company. Ally Invest Advisors Inc. is an SEC-registered investment adviser. Both Ally Invest Securities and Apex Clearing are members of FINRA and SIPC.
For the cash-enhanced portfolios, the cash we set aside earns a competitive variable interest rate and is meant to balance out potential risk should market conditions change. We'll rebalance and add more money to your other investments as your cash grows, but your portfolio will always have about 30% cash.
Expense ratios show how much an exchange-traded fund (or ETF) is charging for its own internal advisory, brokerage, fees and other expenses. Not covered by the annual advisory fee, these charges are deducted from the ETF’s net asset value and are standard expenses all ETF shareholders pay.
Expense ratios can vary by ETF. The expense ratios of the ETFs used in our Socially Responsible portfolios can be up to double those of other portfolio fund options.
We offer four different portfolio types.
Core
Highly diversified across domestic, international and fixed-income assets. You can choose the amount of risk you are comfortable with, from conservative to aggressive.
Income
This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile.
Tax optimized
If you make after-tax contributions to an investment account, this type of portfolio can help maximize your investments.
Socially responsible
Similar to our core portfolio, with greater weight given to companies that benchmark providers note as having strong environmental, social or governance qualities.
Two versions are available for each portfolio type:
Cash-enhanced. 30% of your portfolio is set aside as an interest-earning cash buffer – all with no advisory fees.
Market focused. We’ll invest about 98% of your money into the market and charge a 0.30% annual advisory fee.
Still have questions? Visit our Help Center.