Smarter investing, set up for you
A smarter way to start or scale your investing.
Tailored portfolios, expert advice at every step.
No management fees. No minimums.
Enter an investment amount
Management fees paid over 10 years
Fruitful
0.00%
$0.00
Robo-Advisors
0.25%
$18750.00
Traditional visors
1%
$75000.00
All 3 fee calculations assume an annualized rate of return of 8% and annual contributions of $5,000. The rates of return shown are net of the average management fees displayed. An investor may have outcomes that are different than what is displayed. All investments have risk.
0% management fees
Don’t let pesky management fees at traditional and robo advisors slow your growth. The worst place to take fees is from your investments, which should be, well, growing, not slowing. That’s why investment management is included in your membership at no extra cost.
Investment POV
Investing can be confusing and over-complicated. Our
portfolios are built on clear, effective principles.
Keep it simple
Asset-based and tiered management fees charged by robo-advisors and legacy firms can be confusing. By not charging those fees, we keep things simple and transparent
Be goal-oriented
Every goal needs its own plan. Tell us what you're saving for, your timeline, your needs, and contributions. We'll create a tailored approach with just the right amount of risk to hit your targets.
Keep it simple
Asset-based and tiered management fees charged by robo-advisors and legacy firms can be confusing. By not charging those fees, we keep things simple and transparent
Keep it simple
Asset-based and tiered management fees charged by robo-advisors and legacy firms can be confusing. By not charging those fees, we keep things simple and transparent
Keep it simple
Asset-based and tiered management fees charged by robo-advisors and legacy firms can be confusing. By not charging those fees, we keep things simple and transparent
Keep it simple
Asset-based and tiered management fees charged by robo-advisors and legacy firms can be confusing. By not charging those fees, we keep things simple and transparent
Investing involves risk, including the possible loss of principal. It isn't possible
to invest directly in an index. Past performance does not guarantee future results.
Portfolio Paths
Our portfolios are carefully constructed to maximize diversification and optimize
for building long-term wealth, while minimizing expenses
Set-up & Supported by your Guide
No management fees, no minimums, no nonsense
Tailored to your goals and timeline
Easy, automated contributions and rebalancing
Core
Our globally diversified portfolio designed to make your
money work smarter and harder for you.
ESG
Our diversified portfolio designed around
environmental, social, and governance considerations.
Investing involves risk, including the possible loss of principal. It isn't possible
to invest directly in an index. Past performance does not guarantee future results.
Tailored to you
We’ll strike the right risk-reward balance for your
unique goals and timeline.
Portfolio Type
Risk Preference
8
Together, we'll decide on a bespoke investing approach built on low-cost, diversified ETF funds that span global asset classes. We handle the hard stuff like building your diversified portfolio and managing risk. Then we automate investing overtime to build long-term wealth with ease.
US Stocks
72%
International Stocks
56%
Emerging Markets Stocks
48%
US Aggregate Bonds
32%
US Corporate Bonds
24%
Municipal Bonds
16%
Investing involves risk, including the possible loss of principal. It isn't possible
to invest directly in an index. Past performance does not guarantee future results.
Sync
Your Guide gets to know you, your lifestyle, and your goals, then crafts an investing approach that's seamlessly supported by us, and super simple for you.
Start
We’ll implement that approach, routing contributions to your diversified portfolio that meets your goals and risk profile. Then we’ll automate investing to build long-term wealth with ease.
Scale
We’ll monitor, manage, and modify your approach to make sure as your life changes, your investing approach does too. We’ll also work with you to minimize taxes and expenses.
“I was pretty fearful of
investing, I really needed
someone to guide me.”
Steph
Real Fruitful Member
The people in these videos are real Fruitful Members who were paid in cash for
their time and participation in this series. We think that is fair.
Fruitful is a financial wellness membership that provides access to:
1. Expert advice and support from a dedicated Fruitful Guide, who is a CERTIFIED FINANCIAL PLANNER™ Professional that helps with all aspects of your finances.
2. A 5.00% APY High Yield Savings Account, more than 10x national average*
3. Tailored investment portfolios with expert support at every step and no management fees.
The combo of these 3 core benefits allows our members to organize and optimize their finances in a way that’s simple, smart, stress-free, and sustainable. Members can improve their finances, make real progress toward goals, and eliminate stress. That sounds nice!
*Rates according to FDIC Monthly Rate Cap Information as of July 18, 2024.
Thinking about money can be stressful and confusing. It’s all too common to have looming anxiety about your finances, feel overwhelmed, or be unsure about how to make progress toward your goals. Our all-encompassing membership makes managing your money easy, effective, and empowering. That means providing a real expert human to support and advise you at every turn. That means creating a blueprint with easy-to-implement steps. That means simpler, smarter ways to save and invest that support your personal goals. And that means doing it all at a transparent, more affordable cost.
Yes, an active Fruitful Membership is required to work with a Fruitful Guide as well as open and maintain a high yield savings account and investment management account(s). Handling your finances should be simple and seamless, so our membership provides complementary services and tools that help memb
All Fruitful Guides are CERTIFIED FINANCIAL PLANNER™ Professionals, the highest level of credibility in personal finance. This means all Guides have met intensive education, training and ethical standards, are equipped to help Members with all aspects of their finances in a capable and trustworthy way, and are required to act as fiduciaries for Members. Guides are additionally registered as investment adviser representatives with Fruitful, an SEC-registered investment adviser.
Any part of your life that involves money. Our Guides provide support and advice on each aspect of members' financial worlds while considering all aspects - from managing monthly finances and getting organized to saving and investing, from buying a home to negotiating compensation and choosing benefits, from strategizing around taxes to starting a family and combining finances, and from retirement to insurance and legacy planning.
Yes, you can change your Fruitful Guide at any time, for any reason. We’re committed to your success, and we'll make sure we find the right Guide for you.
Thinking about money can be stressful and confusing. It’s all too common to have looming anxiety about your finances, feel overwhelmed, or be unsure about how to make progress toward your goals. Our all-encompassing membership makes managing your money easy, effective, and empowering. That means providing a real expert human to support and advise you at every turn. That means creating a blueprint with easy-to-implement steps. That means simpler, smarter ways to save and invest that support your personal goals. And that means doing it all at a transparent, more affordable cost.
Choose your Guide, sign-up to become a Fruitful Member (try it risk-free for 30 days), and schedule your 1st session. Tell us about you. Hear about us. Your financial wellness journey just started.
© Fruitful 2024 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its separate, affiliated subsidiaries. Fruitful, Inc. is an investment adviser registered with the U.S. Securities & Exchange Commission, offering investment advisory products and services exclusively to Members with an active Subscription. Learn more about Fruitful in our Form CRS.
This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Rebalancing cannot assure a profit or protect against loss in a declining market. Fruitful relies on information from various sources believed to be reliable, including information from its Members, Clients, and other third parties, but cannot guarantee the accuracy or completeness of that information.
Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. Funds in the bank accounts are insured for up to $250,000 per depositor, depending on the ownership category. Interest rates are variable and subject to change at any time. These rates are current as of July 18, 2024.
¹ The people in these videos are real Fruitful Members who were paid in cash for their time and participation in this series. We think that is fair. Each testimonial reflects the individual Member's experience as an advisory Client and is not intended to represent any other Member's or Client's experience. We believe in the integrity of this approach and that, outside the conflict of interest present due to compensation, no other conflicts apply to these testimonials. These Client testimonials were given in October 2023, represent the opinions of each Member at that time, and may have been edited for brevity and clarity.
² Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.
*Posted to the FDIC.gov website as the average national deposit rate on savings in the top left cell of the rate table, as of July 18, 2024.
Fruitful is not affiliated with, sponsored, or endorsed by the companies listed, described, or featured on its site. Company logos or trademarks used do not imply endorsement and are the property of their respective owners.