Managed portfolios that grow with you
Pick a plan tier, take a 90-second risk quiz, and let our robo-advisor build, rebalance, and tax-harvest your portfolio automatically. Fees from 0.15% AUM. $5M+ managed. SIPC insured.
Invest in the life you’re building.
Start with your priorities. Find an approach that fits.
Investing, with purpose
There’s a life behind every investment.
Your next chapter
A future worth planning for.
Bring your retirement goals into focus. Explore accounts and see how saving today could shape tomorrow.
Explore retirement
Everyday progress
Make room for your ambitions.
Connect your investment approach to the things that matter, from a first home to a longer-term goal.
Explore investment plans
A wider perspective
Understand the world you invest in.
Explore market research and the forces behind the headlines before deciding on your next move.
Explore researchOther ways to trade & invest
Pair Investment Plans with these dedicated services — all included with your Market Securities account.
Four plans. One that fits.
From $0 to $500K minimum — pick the tier that matches your investable assets. Upgrade anytime as you grow.
Starter
0.40% AUMHands-off robo investing for first-timers
- Basic robo-advisor
- 3-ETF diversified portfolio
- Quarterly auto-rebalance
- Goal tracking (3 goals)
- Mobile app access
- SIPC coverage $500K
Growth
0.30% AUMAdvanced robo with TLH and more ETFs
- Advanced robo-advisor
- 8-ETF portfolio
- Monthly auto-rebalance
- Tax-loss harvesting
- Direct indexing (top 100)
- Goal tracking (unlimited)
- Priority support
Wealth
0.25% AUMCustom allocation with direct indexing
- Custom allocation model
- 15+ ETF portfolio
- Weekly auto-rebalance
- TLH + direct indexing (500+)
- Alternative assets access
- Quarterly advisor call
- Estate planning tools
Elite
0.15% AUMDedicated advisor + custom mandates
- Dedicated human advisor
- Custom mandates & alternatives
- Daily rebalancing
- Full direct indexing (1,000+)
- Private equity & hedge funds
- Tax-optimized withdrawal strategy
- Family office services
Build a portfolio in 30 seconds
Pick a risk profile, time horizon, and amount. We show the allocation, expected return, and the ETFs in each slice — instantly.
ETFs per slice
Watch your portfolio drift — and rebalance itself
Drag the slider to simulate days since last rebalance. See how allocations drift. Click rebalance to restore target.
Allocation drift
Target vs currentTrack every goal. See every projection.
Retirement, house, education, vacation — fund multiple goals in parallel with separate timelines and monthly contributions.
Retirement
House Down Payment
Child Education
Dream Vacation
Offset gains automatically — save ~0.5% per year
Market Securities scans daily for positions at a loss, sells them, and replaces with a similar-but-not-identical ETF to maintain exposure and avoid the IRS wash-sale rule.
Harvested trades (YTD)
5 trades| Sold | Replaced with | Loss | Date |
|---|---|---|---|
| XLU | VPU | -$1,240 | Mar 14 |
| IWM | SCHA | -$890 | Feb 28 |
| EMB | VWOB | -$1,560 | Feb 12 |
| XLF | VFH | -$670 | Jan 30 |
| GDX | GLD | -$2,180 | Jan 18 |
See every scheduled rebalance — 12 months ahead
Each plan tier rebalances on a different cadence. Click any rebalance day to see what's scheduled.
See the magic of dividend reinvestment
Compare portfolio growth with vs. without DRIP — real compound math, year by year.
Three classic models + one you build
Conservative 40/60, Moderate 60/40, Aggressive 80/20 — plus a custom model with sliders for every asset class.
Conservative
Moderate
Aggressive
Custom
EditableThe ETFs we use to build your plan
13 of the most common ETFs across asset classes — sorted by any column. All have expense ratios below 0.60%.
| # | ||||||||
|---|---|---|---|---|---|---|---|---|
| 1 |  QQQ | Invesco Nasdaq 100 | 0.20% | +28.70% | +18.40% | 0.62% | US Equity | 8 |
| 2 |  GLD | SPDR Gold Shares | 0.40% | +28.10% | +9.80% | 0.00% | Commodities | 7 |
| 3 |  VOO | Vanguard S&P 500 | 0.03% | +23.10% | +13.20% | 1.28% | US Equity | 6 |
| 4 |  VTI | Vanguard Total Stock | 0.03% | +22.40% | +12.80% | 1.42% | US Equity | 6 |
| 5 |  SCHD | Schwab US Dividend | 0.06% | +16.80% | +11.40% | 3.42% | Dividend | 5 |
| 6 |  VXUS | Vanguard Total Intl | 0.07% | +14.20% | +7.10% | 3.15% | Intl Equity | 7 |
| 7 |  VWO | Vanguard Emerging Mkts | 0.08% | +11.60% | +4.20% | 2.94% | Intl Equity | 9 |
| 8 |  VNQ | Vanguard Real Estate | 0.12% | +8.40% | +4.20% | 4.06% | REITs | 7 |
| 9 | SGSGOV | iShares 0-3M Treasury | 0.09% | +5.10% | +2.40% | 5.12% | Cash | 1 |
| 10 |  TIP | iShares TIPS Bond | 0.19% | +4.10% | +2.30% | 3.92% | Bonds | 2 |
| 11 |  BND | Vanguard Total Bond | 0.03% | +2.80% | +1.20% | 4.21% | Bonds | 3 |
| 12 |  AGG | iShares Core US Agg Bond | 0.03% | +2.60% | +1.10% | 4.18% | Bonds | 3 |
| 13 |  PDBC | Invesco Optimum Yield | 0.59% | -2.40% | +1.80% | 4.81% | Commodities | 8 |
Everything you need to manage your plan
Six specialized tools — all included with every Market Securities Investment Plan tier.
Nine reasons investors choose Market Securities plans
Lower fees, smarter automation, deeper tax optimization — without giving up control or liquidity.
4 plan tiers
Starter, Growth, Wealth, Elite — scale as you grow.
Low fees from 0.15%
AUM fees as low as 0.15% — no trading fees.
Auto-rebalancing
Daily, weekly, monthly, or quarterly — your choice.
Tax-loss harvesting
Offset gains automatically with TLH on Growth+.
Direct indexing
Own individual stocks for extra tax alpha.
Goal tracking
Track unlimited goals with progress projections.
Mobile app
Manage your plan anywhere — iOS & Android.
Tax-efficient
Optimized withdrawal sequencing & asset location.
SIPC $500K
Securities protected up to $500K by SIPC.
Three steps. Done in 10 minutes.
Choose a tier, take the risk quiz, then never think about rebalancing again — we handle the rest.
Choose your plan tier
Pick Starter, Growth, Wealth, or Elite based on investable assets and desired level of service.
Take the risk quiz
Answer 7 questions about goals, horizon, and risk tolerance. We assign a profile in 90 seconds.
Auto-manage your portfolio
We build, rebalance, tax-harvest, and re-project your plan — hands-off, transparent, on schedule.
Transparent fees. No surprises.
One AUM fee per tier. No trading fees, no transfer fees, no hidden charges. What you see is what you pay.
All ETF trades inside your plan are commission-free.
ACATS transfers in/out are always free.
Risk quiz, allocation, advisor calls — all included.
Investment Plans, explained
Robo vs. human advisor, rebalancing, TLH, custom allocations, switching tiers, and withdrawal rules.
A robo-advisor uses algorithms to build and rebalance your portfolio automatically, with fees 70-90% lower than traditional human advisors. Elite plan ($500K+) adds a dedicated human advisor for custom mandates, alternatives access, and estate planning — combining automation with human judgment.
Risk disclosure. Investing involves risk including possible loss of principal. Diversification and automated rebalancing do not guarantee a profit or protect against loss in declining markets. Tax-loss harvesting can generate losses but does not guarantee tax savings — consult a tax advisor. Past performance does not guarantee future results. Market Securities Investment Plans are advisory services offered through Market Securities Advisers , a SEC-registered investment adviser. SIPC protection covers securities up to $500K (cash sub-limit $250K) and does not protect against market losses. Always read the Form ADV Part 2A brochure before enrolling.
Start your investment plan
Start your investment plan today
Pick a tier, take the 90-second risk quiz, and let our robo-advisor build, rebalance, and tax-harvest your portfolio. Fees from 0.15%. $0 to start. SIPC insured.