Details
Min. Investment$0
Est. ReturnFee
Free
Liquidity
Portfolios are from our actual WiseBanyan account
Portfolios
- Stocks 89%Bonds 9%Cash 0%
90% Stocks / 10% Bonds
7.51%
Avg. annual return since 2013
View Portfolio - Bonds 54%Stocks 44%Cash 0%
60% Bonds / 40% Stocks
4.54%
Avg. annual return since 2013
View Portfolio
Matthew Huiover 6 years ago
Like my experience with WiseBanyan so far. Early users of the platform get tax loss harvesting for free so that's a good incentive to signup early. I'm gonna slowly start to move more of my money from Betterment to WiseBanyan. I'm a little worried that they might not be able to make money (since they don't charge a fee) and sustain their service but we'll see what happens.
Reply
notajithover 6 years ago
WiseBanyan is legit so far. Like a lot of startups and tech companies they don't quite have a solid revenue model yet. They report that they plan to sell a la carte products and features. I can't find it now, but I recall reading that they plan to charge 15bps for tax loss harvesting.
The brokerage is FolioInvesting, a 15 yr old company that deployed all the robo advisor features one could want(fractional shares, smart rebalancing, tax efficient withdrawals, basket trading), but is damn ugly. WiseBanyan presently is probably just leaning on that for all the operational stuff, so they didn't need a huge technology investment like say Betterment probably did to build everything from scratch and operate as a broker and an advisor.
In is advisory capacity WiseBanyan offers its model portfolios, and risk assessment just like the other robo advisors. The only notable divergence from a pretty typical model is that they choose to slice and dice the bond allocation. I haven't studied their rationale for that yet. Also they seem light on emerging markets compared to the others. The funds are all vanguard ETFs.
The brokerage is a third party, folio. If WiseBanyan fails, you still own your shares at the brokerage. If you like WiseBanyan's asset allocation, there is no more economical or convenient way to invest.
Reply
AdrenolineLoveover 6 years ago
I have been with Wisebanyan for nearly a year now. About 5% returns and no fees from what I can see. Unless they are dipping into the investment returns and not telling me but. Nothing that I can see. It is easy to use, set up auto deposit of $70 a week and move on with your life. Check it once a week, month whatever helps you sleep at night.
Reply
aekeysover 6 years ago
It's been great. Been using it over a year for a personal investment account and jumped in with a Roth IRA a couple of months ago because I liked it so much. I'm currently up 6% and 3% respectively (aggressive portfolios) which is pretty good considering the market conditions over the past year. I have weekly auto deposits set up, which can easily be modified at any time. It's super easy investing which is great for set it and forget it style.
Reply
mitchikadeover 6 years ago
I really, really enjoy using Wisebanyan and recommend it all the time. Their customer service is REALLY easy to deal with, too, if you ever need to call them. I've had my account since December 2014 and I've added money and pulled money out and as of the writing of this post I'm at 5.33% return with a 'risk score' of 8.2 (which is 75% stocks, 25% bonds and REIT for those curious).
Reply
SnowdensOfYesteryearabout 6 years ago
WiseBanyan is free and make money off services like TLH which they charge for. Almost a no-brainer to use them. They're much newer though.
But seriously, if you have a small amount of money just pick anyone. Fees don't really matter that much, you're more likely to blow more money eating out.
Reply
fan swingerabout 4 years ago
fabswinger
Reply
sharry paulover 1 year ago
it's really good article
Reply
sharry paulover 1 year ago
good article vidmate mobdro
Reply
Nash Davesover 1 year ago
Its really good that everyone has shared there point with us I also got an idea after read the discussion
Reply
Nash Davesover 1 year ago
Thank you for sharing.. myfiosgateway spicemoneylogin.in
Reply
Carlton floresabout 1 year ago
Its really good that everyone has shared there point with us I also got an idea after read the discussion mcdvoice con tellculvers.com survey
Reply
Sadia balochabout 1 year ago
Punch Hero game is a game from Gamevil. And it is another version of the Punch-Out except for bright 3D graphics and the engaging gameplay.
Reply
Aramis Thandeka12 months ago
good information to share, thank you for this article
Reply
Aramis Thandeka11 months ago
Thanks for the post and effort! Please keep sharing more such blog. myfiosgateway.one
mobdro
Reply
Bigg Boss All Episodes8 months ago
The next season of Bigg Boss OTT is all set to be launched and now Kat
Kristian name has popped up as one of the celebrities approached for the
Bigg Boss 16 All Episodes
Reply
paan ji8 months ago
yes, this is really good article, thank you for sharing this information with us
Reply
main rana8 months ago
Enjoy the fantastic Mini Militia For PC hack that gives you a chance to fight your battles without fear of losing your life.https://minimilitiaapkmod.net/
Reply
main rana7 months ago
This is a really good game and so fun to play. The story is good and it doesn’t need to much grind so the player can really enjoy the gameplay.
Reply
paan ji6 months ago
Thanks for the post and effort! Please keep sharing more such blog. myfiosgateway.com
mobdro
Reply
Daina Baloch5 months ago
Thanks for sharing this. Now you can watch all kinds of premium videos, live cricket, TV shows, programs, and more videos on Jokar TV Mod Apk.
Reply
a karu5 months ago
Hi, bonams. I'm also a co-founder of WiseBanyan. We are currently focused on the US. We chose the banyan tree as a symbol of strength and stability. It also has deep roots that grow down from the limbs, so the imagery of putting down financial roots was what we were going for.
Reply
a karuabout 1 month ago
this is really good article https://routerlogin.ltd/
https://pikashow.ltd/
Reply
biggboss17 atchlive28 days ago
Bigg Boss 16 Will start from October 2022. Bigg Boss 16 Registration will be start from March 2022.
Contestant List will be given you like always online vooting process bigg boss 16 watch live free.
https://biggboss17watch.live/
Reply
katherine rose25 days ago
I've set up weekly automatic deposits that I can easily change at any moment. The ease of investing makes it ideal for a set-it-and-forget-it approach. www.austinconcreteworks.com/poured-concrete-patios
Reply
gesture offz19 days ago
Thank you for writing such a nice blog with useful information. I hope you will share some more info.
Reply
Aupam Full Hd Video6 days ago
Check latest, upcoming, all new episodes of Anupama TV serial online on Disney+ Hotstar today!
Anupamaa, who parts with her ambitions and goals in a bid to raise her family online latest ..
Aupama Full Hd Video
Reply