We are on a mission.
108 million Americans do not invest in the stock market, missing important financial opportunities. Investable was founded to give more people more access to a stable, thriving financial future.
SEC-registered investment advisor
Personalized, goal-based investing as a benefit.
Using Investable, your employees can invest directly in professionally managed, diversified portfolios from their paycheck with full liquidity and no withdrawal penalties. A workplace benefit that pays them back.
SEC-registered investment advisor
No ERISA liability
Payroll-integrated
Bank-grade security
Built for life goals
SEC-registered investment advisor
No ERISA liability
Payroll-integrated
Bank-grade security
Built for life goals
Institutional credibility
A one-of-a-kind mission built with institutional-grade rigor
Our mission is simple. We want more Americans to have access to the stock market and the opportunities it affords. Founded with institutional-grade rigor at the University of Chicago Booth School of Business, Investable earned First Place at Booth's 17th Annual Global New Venture Challenge, outperforming 20+ top ventures from Chicago, London, and Hong Kong.
The benefits gap
Employees want to invest. They just don't know where to start.
Investable was founded on a simple observation: the biggest barrier to wealth is not income, it is access and inertia. Most people do not invest not because they cannot afford to, but because nobody made it easy.
66%
of Americans lack investments in the stock market, contributing to a prosperity gap.
73%
of employees would stay with their employer if they were offered personalized benefits.
401(k) isn't the whole picture.
Most financial stress is not about retirement. It is about the next 1-10 years. Traditional 401(k)s do not address this reality due to lack of liquidity and withdrawal penalties.
Financial literacy gaps persist
Investable comes with built-in education. Employees learn as they invest, building financial literacy and confidence as they experience the benefits of investing.
Tommy S.
$3,317
6%
Monica T.
$12,453
7%
Robert G.
$16,174
5%
Carol K.
$9,284
4%Tommy S.
$3,317
6%Monica T.
$12,453
7%Robert G.
$16,174
5%Carol K.
$9,284
4%The Investable difference
A workplace benefit that employees will love
Most employers offer a 401(k). Almost no one offers a post-tax brokerage account as a benefit, leaving employees without a vehicle for short-term wealth building. Investable closes that gap.
Practical and important
A modern financial wellness benefit designed for real-life goals.
Zero ERISA
burden
Employers do not assume ERISA fiduciary liability.
Improves retention
Helping employees reach real financial goals drives stability, engagement, and loyalty.
Predictable economics
Simple, transparent fees with an optional employer match, all at a lower cost than the 401(k).
Applied financial literacy
How it works for employees
Employees choose a contribution amount from their paycheck and a risk profile that matches their goals. Investable handles everything else with no ongoing decisions required.
A clean mobile dashboard shows portfolio value, contribution history, goal progress, and performance all in one place. Employees stay informed without feeling overwhelmed.
Automatic, regular investing lets savings grow over time through compounding, turning small paycheck contributions into meaningful long-term wealth with no active management required.
Unlike a 401(k), there are no lock-up periods or withdrawal penalties. Employees can access their money whenever they need it for an emergency, a down payment, or any life goal.
Features employees will love
A benefit employees want and need
Pricing and plans
A flexible model that meets your needs
Starter
- Eligible Employees
- 1-250
- Monthly rate
- $6.00 PEPM*
- AUM Fee**
- 0.25% Annually
Growth
- Eligible Employees
- 251-1,000
- Monthly rate
- $5.50 PEPM*
- AUM Fee**
- 0.25% Annually
Mid-Market
- Eligible Employees
- 1,001-5,000
- Monthly rate
- $5.00 PEPM*
- AUM Fee**
- 0.25% Annually
Enterprise
- Eligible Employees
- 5,001+
- Monthly rate
- Request a quote
- AUM Fee**
- 0.25% Annually
*PEPM means per eligible employee per month. **Charged monthly (0.0208% of total assets under management per month).
Frequently asked questions
Still have questions? Visit our Help Center or contact us.
Access a real-time dashboard for participation, deferral rates, and plan health, plus benchmarking tools to support internal ROI reporting and compliance. Employers pay a simple per-employee monthly fee with no setup costs or hidden charges.
We integrate with major payroll providers via API or secure file transfer. Employees set a contribution amount and Investable handles the rest, deductions flow automatically from each paycheck into their brokerage account.
None. Because Investable is an SEC-registered investment advisor acting as the fiduciary, your company does not take on ERISA obligations. You're simply offering access to a licensed financial service, similar to offering a gym discount.
A 401(k) is a pre-tax retirement account with strict withdrawal rules. Investable is a post-tax brokerage, money goes in after tax, grows in a diversified portfolio, and can be withdrawn anytime without penalty. They complement each other perfectly.
The account belongs to the employee, not the employer. When they leave, automatic contributions stop but the account stays with them. They can continue managing it independently or transfer it to another brokerage.