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managed portfolios

Managed Portfolios

bye advisory fees. hello free automated investing.

Thanks to math, science, and Ally Invest's experts, we're offering investing free of advisory fees. Start investing with as little as $100.

A portfolio made for you, monitored by us.

We do the work, so you don’t have to.

No advisory fees.

For our cash-enhanced portfolio, there are no advisory fees, annual charges, or rebalancing fees, and 30% of your portfolio is set aside as an interest-earning cash buffer.

Start investing with $100.

Investing shouldn't cost an arm and a leg. That's why we only require a $100 minimum.

Dedicated support.

Call, chat, or email us any time. A real person is available day or night to help with whatever you need.

No advisory fees.

For our cash-enhanced portfolio, there are no advisory fees, annual charges, or rebalancing fees, and 30% of your portfolio is set aside as an interest-earning cash buffer.

Start investing with $100.

Investing shouldn't cost an arm and a leg. That's why we only require a $100 minimum.

Dedicated support.

Call, chat, or email us. We’re happy to help with whatever you need.

An interest-earning cash cushion to sit on.

  •  

    • 30% of your portfolio is set aside as cash to act as a buffer against market volatility
    • Absolutely no advisory fees, and the 30% cash buffer earns interest at 1.00%
    • Available for all portfolio types

Keep in mind that for the cash-enhanced option, the cash set aside is a permanent part of your portfolio. It can’t be accessed like money in a traditional savings account, and it isn’t FDIC insured. The rate is variable and may change after the account is opened. Rate is accurate as of .

An interest-earning cash cushion to sit on.

 

  • 30% of your portfolio is set aside as cash to act as a buffer against market volatility
  • Absolutely no advisory fees, and the 30% cash buffer earns interest at 1.00%
  • Available for all portfolio types

Keep in mind that for the cash-enhanced option, the cash set aside is a permanent part of your portfolio. It can’t be accessed like money in a traditional savings account, and it isn’t FDIC insured. The rate is variable and may change after the account is opened. Rate is accurate as of .

If you’re interested in a portfolio with less cash holdings, consider our market-focused option. Learn more

Hands-off investing has never been smarter.

We know you're busy. Let our intelligent tools work for you. 

We know you're busy. Let our intelligent tools work for you. 

Not your average robo-advisor.

  • Diversified portfolios designed by a team of (human) specialists

  • Managed and monitored daily with our smart technology and rebalanced as needed

  • View performance and track your goals 24/7 with our suite of digital tools
  • Update your portfolio goals any time as your financial needs change

Not your average robo-advisor

  • Diversified portfolios designed by a team of (human) specialists

  • Managed and monitored daily with our smart technology and rebalanced as needed

  • View performance and track your goals 24/7 with our suite of digital tools
  • Update your portfolio goals any time as your financial needs change

Four portfolio choices based on what matters most to you.

We’ll help you choose one that best aligns with your future goals.

  • 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. 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 IRA 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

    Shaped by companies with ethical track records, you’ll only invest in businesses that actively practice sustainability, energy efficiency, or other environmentally friendly initiatives. Consider this portfolio type if eco-friendly practices are important to you.

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. 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 IRA 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

Shaped by companies with ethical track records, you’ll only invest in businesses that actively practice sustainability, energy efficiency, or other environmentally friendly initiatives. Consider this portfolio type if eco-friendly practices are important to you.

An affordable investment approach starts here.

It only takes 10 minutes to open an account.

Tell us about your goals.

Share a little about your investment goals and we’ll build you a diverse mix of exchange-traded funds (ETFs) that line up.

Get your customized portfolio.

Go with our recommendation or customize until you’re comfortable with the balance of risk and return.

Start investing with just $100.

Once you select your portfolio, we’ll take it from there. Just sit back and track your progress right from your smartphone.

Create Your Plan

FAQs

We have answers.

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 Inc., 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.

Still have questions? Visit our Help Center.

Ally Invest Securities' background can be found at FINRA's BrokerCheck. Options involve risk and are not suitable for all investors.

  

Product screenshots are provided for informational purposes only and should not be considered as advice to buy or sell any particular security.

 

If you have questions regarding your taxes, please visit IRS.gov or consult a tax professional. Ally Invest does not provide any tax advice.

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Taxable

This is an individual or joint account.

  • Eligible for tax-optimization through investments in municipal bonds.
  • There are no limits to investment contributions or withdrawals. However, taxes may be owed on interest, dividends and realized gains each year.

Retirement Account

This is a Traditional or Roth IRA.

  • Commonly chosen for rolling over 401(k)s – your money grows tax free and depending on your plan, you may or may not be taxed when you take a distribution.
  • There are limits on how much you can contribute each year and penalties for early withdrawals.

Core

Consider if your overall goal is growth and building wealth over time. They track major asset benchmarks and include a mix of stocks and bonds.

Income

A lower-risk approach you can use to supplement your income, this portfolio favors safety and returns over increasing investment value. It includes a mix of higher-yielding equities.

Tax optimized

Built the same as a core portfolio, but we incorporate municipal bonds to enhance the after-tax yield.

Socially responsible

Includes investments in companies that actively practice sustainability, energy efficiency, and other environmentally-sound initiatives.

Municipal Bonds

You are eligible to include municipal bonds in your portfolio. For investors, these bonds may provide tax-free income, especially for those in higher tax brackets. Select the checkbox for a tax-optimized portfolio that includes municipal bonds.

About municipal bonds

Municipal bonds are issued by states, cities, counties and other government entities below the federal level in order to raise money for public improvements and services. These bonds are typically exempt from federal income taxes and, in some areas, state and local taxes. Municipal bonds are typically considered to involve more risk than treasury bonds, but less risk than corporate bonds. Income for some investors may be subject to the Federal Alternative Minimum Tax (AMT). Please consult your tax advisor regarding your specific financial situation.

Not sure?

You don't have to give us an exact number. It can be a short-term goal or your dream amount.

 

You can update this amount any time if your goals change in the future.

Why we ask this

When you give us a target amount, we can track potential growth and provide you with personalized insights.

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Market focused, explained.

Like the cash-enhanced option, market focused is available for all portfolio types. However, unlike cash-enhanced, it carries a 0.30% annual advisory fee, charged monthly, and more of your money is invested in the market with roughly 2% held as cash.

 

 

A word on advisory fees.

 

A portfolio advisory fee is the fee charged for professional advice for your investment account. Traditionally, investors had to pay hefty fees to financial advisors to actively manage their portfolios. However, digital investing and robo-advisors now provide a lower or no-fee alternative to traditional advising.

The market-focused portfolio fee of 0.30% is based on the daily total equity balance of the account and is calculated daily, prorated, and aggregated for every calendar day. The fee will be charged within the first 10 days of the month for the previous month and is clearly noted on your monthly statement.