How we invest

At Investable, we believe in efficient markets. So we spend our time curating high-performing, diversified, and risk-adjusted portfolios, rather than trying to “time the market.”

We utilize proprietary automation to consistently invest on behalf of our clients, which allows our investment management experts to turn any short-term market volatility into an opportunity. By constantly investing as the market ebbs and flows, Investable can drown out the noise of daily headlines and focus on the fundamentals of compounding returns.

Investment selection process

Because we embrace market efficiency, our portfolios are composed entirely of index stock and bond ETFs. With over 4,000 ETFs to choose from, we apply a rigorous screening process to narrow the universe down to the best-in-class index funds.

We value funds with strong track records, low costs, adherence to their investment mandates, and those that are benchmarked to well-known indices such as the S&P, MSCI, and Bloomberg.

US Exchange-traded Funds: ~ 4,000 ETFs
Index Funds: > 2,000 ETFs
Screening Criteria: e.g. Diversified, Cost, Size, Tracking Error
Investable Portfolios: ~10 ETFs

Conservative

30% Stocks

70% Bonds & Cash

Hypothetical Annual Return*2.8 %

Hypothetical Volatility6.6 %

Balanced

60% Stocks

40% Bonds & Cash

Hypothetical Annual Return*5 %

Hypothetical Volatility10.2 %

Aggressive

90% Stocks

10% Bonds & Cash

Hypothetical Annual Return*7.1 %

Hypothetical Volatility14.1 %

*Data is as of 12/31/24.

Risk-adjusted, client-specific asset allocation

Once we’ve determined the right ETFs for each of our portfolio options, the next step completes the most important piece of the puzzle: you, the Investable customer. Your risk, your goals, your financial ecosystem. No investment decision should be made without personalization.

Client Profile

Rebalancing

Asset Allocation

Since customers have varying degrees of risks and goals, we offer portfolios with different asset allocations of stocks and bonds. Each investment mix is diversified and packaged with an optimized level of return (upside) and risk (downside), for you to pick which one best matches your needs.

Once your portfolio is selected, the investment journey begins. Along the way, we will continue monitoring your investment portfolio, making the necessary adjustments to ensure you stay on the right path towards financial nirvana.

Compounding returns

Now that you’re invested, it’s the market’s turn to do the hard work. Our curated portfolios are intended to be straightforward and require minimal customer maintenance. Each periodic contribution is automatically invested with our “out of sight, out of mind” approach, and the power of market compounding is unlocked. Historically, stocks have outpaced most other asset classes.

Although past performance is not indicative of future results, the magnitude of difference in how your money is working on your behalf cannot be ignored! Over the long run, we’re certain your confidence in your financial journey will flourish, and we’ll be there to empower you along the way.

$100 Invested over 30 years

$100 invested 30 years ago would pocket you over $1,700 today. Stashed away in a standard savings account, that same $100 bucks would be worth only $200.

Data is as of 12/31/2024. Stock returns use the Russell 3000 Index. Savings Account uses the Bloomberg 1-3 Mo. Treasury Bill Index. Cash Under Mattress takes into account annual inflation as measured by CPI. Sources: Morningstar Direct, US Federal Reserve, Money Metals Exchange.

* Hypothetical annual returns are net of fees over a 10-year investment horizon, assuming monthly deposits of $250 over the first five years. Hypothetical performance is derived from model strategy portfolios and is backtested by the application of each strategy’s total return data from 12/1/2015 to 12/31/2024. The strategies were not actually used to manage any actual client assets during those time periods. Hypothetical performance results have many inherent limitations, some of which are described below. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. In fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular investment program. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. In addition, hypothetical performance does not involve financial risk, and no hypothetical performance record can completely account for the impact of financial risk in actual investing. For example, the ability to withstand losses or to adhere to a particular investment program in spite of investment losses are material points which can also adversely affect actual performance results. There are numerous other factors related to the markets in general or to the implementation of any specific investment program which cannot be fully accounted for in the preparation of hypothetical performance results and all of which can adversely affect actual performance results. Investable has had little or no experience in investing actual accounts for itself or for customers. Because there are no actual investment results to compare to the hypothetical performance results, customers should be particularly wary of placing undue reliance on these hypothetical performance results. Hypothetical or backtested performance results are not indicative of actual future results.
This website was prepared by Investable Wealth Management, Inc. (“Adviser”). The Adviser is registered as an investment adviser with the US Securities and Exchange Commission (“SEC”). Registration with the SEC alone does not imply a certain level of skill or training. Please visit the SEC’s website at https://adviserinfo.sec.gov/firm/summary/333290 to see the Adviser’s Form ADV and Form CRS, which contain important disclosures, including further disclosures about material conflicts of interest, risks, and limitations associated with the Adviser. If you have any questions about this website, please contact us at 1-855-232-6111. Any reference to past performance is not indicative of future results.
Investable charges customers a standard fee of $9.99 per month (“fees”). Investable reserves the right to change its fees without notice. Note that the cash promotion for joining Investable will be deposited into customer accounts upon establishing an Investable account. Customers are restricted from withdrawing the promotional deposit for 90 days.