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Managed Portfolios

Start investing with $100

A portfolio made for you, monitored by us.

We do the work, so you don’t have to.

No advisory fee. No fine print. No, really.

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.

24/7 support.

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

An interest-earning cash cushion to sit on.

The cash we set aside earns interest at 1.90%, 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.

The cash buffer is a permanent part of your portfolio and can’t be accessed like money in a traditional savings account. Rate is accurate as of 09/16/2019. It’s variable and may change after the account is opened.

An interest-earning cash cushion to sit on.

The cash we set aside earns interest at 1.90%, 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.

Hands-off investing has never been smarter.

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

Not your average robo-advisor.

Hand-selected portfolios 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

Not your average robo-advisor.

Not your average robo-advisor

Hand-selected portfolios 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

We recommend a portfolio based on what matters to you.

Income

Ideal if you are currently near or in retirement. This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile.

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.

Tax optimized

Great for investors in higher tax brackets. If you make after-tax contributions to an investment account, this type can help maximize your investments.

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.

Create Your Plan

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

Tell us about yourself.

We'll recommend a personalized portfolio.

Let's start with your goals.

Reason for Investing

Estimated Goal Amount

Not sure?

Tell us about your investment preferences.

How long do you want to invest?

What's your risk tolerance?

Now let's take a look at your financial picture.

How much do you have in liquid assets?

How much do you plan to start investing with?

What type of managed account are you looking for?

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.

Choose the portfolio type you're interested in.

Core

Typically used as a primary investment strategy.

Income

A conservative approach focusing on cash flow over growth.

Tax optimized

Enhances returns with tax-exempt income through municipal bonds.

Socially responsible

Invest in environmentally-conscious causes and companies.

FAQs

We have answers.

Where is my money held?

Accounts managed by Ally Invest Managed Portfolios 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. Both Ally Invest Securities and Apex Clearing are members of FINRA and SIPC.

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What type of account can I open for my managed portfolio?

Is there an account minimum?

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. Managed Portfolio accounts require a $100 initial minimum deposit.

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What’s the 30% cash buffer?

The cash we set aside earns interest with a high-yield 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.

View today’s rate and more details about the cash buffer

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What types of portfolios do you offer?

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

Ideal if you are currently near or in retirement. This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile.

Tax optimized

Great for investors in higher tax brackets. If you make after-tax contributions to an investment account, this type of IRA can help maximize your investments.

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.

Two options are available for each portfolio type:

Cash-enhanced with no advisory fee. 30% of your portfolio is set aside as an interest-earning cash buffer.

Lower cash allocation with advisory fee. There’s a 0.30% annual advisory fee for portfolios with less cash holdings.

If you want to change your portfolio type or switch to a portfolio with less cash, give us a call at 1-855-880-2559.

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How are my accounts protected?

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.

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Are there special requirements for foreign citizens?

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.

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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.

Savings based on industry average advisor fees of 1.02% with research by Price Metrix (PDF). Advisor fees may vary based on the type and nature of the services offered.

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

TYPE	CONSIDER IF
Very low	You're not willing to take on risks even if that reduces your returns.
Low	You're willing to take on some level of risk to increase your return.
Moderate	You're willing to take on a controlled level of risk to increase your return.
High	You're willing to accept short-term losses to increase long-term returns.
Very high	You're comfortable with extreme fluctuations in your portfolio to maximize returns.

TYPE

CONSIDER IF

Very low

You're not willing to take on risks even if that reduces your returns.

Low

You're willing to take on some level of risk to increase your return.

Moderate

You're willing to take on a controlled level of risk to increase your return.

High

You're willing to accept short-term losses to increase long-term returns.

Very high

You're comfortable with extreme fluctuations in your portfolio to maximize returns.

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Managed Portfolios

A portfolio made for you, monitored by us.