What Is Guided Investing?
Guided Investing is an automated investing experience that builds and manages a portfolio for you. It uses your goals, timeline, and comfort with risk to recommend investments and keeps your portfolio on track through regular monitoring and adjustments.
How Your Risk Level Is Set
When you get started, you’ll answer a few questions about your finances, goals, and how you feel about market ups and downs. Your responses create a risk profile that helps determine the type of portfolio best suited for you.
How Your Portfolio Is Built
Based on your risk profile, Guided Investing recommends a diversified mix of low-cost exchange-traded funds (ETFs). These portfolios include a combination of asset types—such as stocks and bonds—designed to balance potential growth with risk.
How Trading Is Handled
Trades are placed automatically for you. When you add or withdraw money, the system adjusts your investments accordingly and makes changes as needed to keep your portfolio aligned with its target strategy.
How and When Rebalancing Happens
Markets change over time, which can shift your portfolio away from its original mix. Guided Investing automatically reviews and rebalances your portfolio each quarter to help maintain your intended risk level. New deposits made between rebalancing periods are invested according to your portfolio’s strategy without triggering a full rebalance.
Understanding Fees
Automated investing services typically charge a management fee based on a percentage of your invested assets or a flat subscription fee. The ETFs in your portfolio may also have built-in expenses, known as fund expense ratios.
Can You Make Changes?
While portfolios are professionally designed, you may have options to personalize your approach—such as selecting socially responsible investments, adjusting your risk level over time, or excluding specific securities.
If Your Goals Change
Life changes—and your investments can too. If your financial situation or goals shift, you can update your profile. Your portfolio recommendations will adjust accordingly during the next scheduled rebalance.
Keeping Your Investments Secure
Your assets are held by RQD* Clearing, LLC, an SEC-registered broker-dealer and member of FINRA and SIPC. While safeguards are in place, all investing involves market risk and returns are not guaranteed.
Getting Started Is Easy
Answer a few questions, review your recommended portfolio, and get started. From there, Guided Investing does the work—automatically managing your investments so you can focus on what matters most.
Who Is Eligible to Trade?
Only account holders over the age of 18 and in good standing with the financial institution can buy, sell, or hold assets. Trust Account Holders and Commercial Accounts are not supported. Account holders residing in TX, ID, or NY are unable to trade.