Investing designed for your real life

With your money membership, Ellevest creates and manages a personalized investment portfolio for you.

Start investing today

You could be missing out on hundreds of thousands of dollars, over time, by saving your money rather than investing it.*

investing $150/mo
saving $150/mo

The only investing tool built by women, for women.

WHY FOR WOMEN

The investing industry was built by men, for men — which means its supposedly “gender-neutral” tools were failing women.

WHY ELLEVEST

Our investment algorithm factors in important realities for women, such as pay gaps, career breaks, and longer average lifespans.

WHY NOW

Ellevest meets you where you are. There’s no minimum deposit** to start investing, so you can do more for your money today.

Step 1

Tell us about yourself

Let’s spend five minutes together so we can create a plan just right for you. Share a few details about your money, life, and career.
Step 2

Get your investment plan

We’ll recommend a low-cost, diversified investment portfolio and invest your money to help you reach your money goals.
Step 3

Start investing

Everyone deserves the opportunity to build wealth. There’s no minimum deposit** to fund your plan — simply link your bank account and start investing.
Step 4

It’s your portfolio. We manage it.

If your investments get too far away from their targets, we’ll bring them back in line for you. And do our best to minimize the taxes.
Step 1

Tell us about yourself

Let’s spend five minutes together so we can create a plan just right for you. Share a few details about your money, life, and career.
Step 2

Get your investment plan

We’ll recommend a low-cost, diversified investment portfolio and invest your money to help you reach your money goals.
Step 3

Start investing

Everyone deserves the opportunity to build wealth. There’s no minimum deposit** to fund your plan — simply link your bank account and start investing.
Step 4

It’s your portfolio. We manage it.

If your investments get too far away from their targets, we’ll bring them back in line for you. And do our best to minimize the taxes.

Our investment strategy

We create an investment portfolio using a thoughtful mix of stock, bond, and alternative funds. This kind of diversification is intended to help reduce your portfolio's overall risk.

STOCK ETFS
US Large Cap Growth

US Large Cap Growth

Stocks of large companies with strong earnings growth. These big companies are typically more stable than smaller companies.

what we buy
PXWIX : Pax Ellevate Global Women’s Leadership Fund
VTI : Vanguard Total Stock Market ETF
SUSA : iShares MSCI USA ESG Select ETF
US Mid Cap Value

US Mid Cap Value

Stocks of mid-size companies with low valuations, typically worth between $2 billion and $10 billion.

what we buy
VO : Vanguard Mid Cap ETF
VOE : Vanguard Mid Cap Value ETF
US Mid Cap Growth

US Mid Cap Growth

Stocks of mid-sized companies, typically worth between $2 billion and $10 billion with strong earnings growth.

what we buy
VO : Vanguard Mid Cap ETF
US Small Cap Value

US Small Cap Value

Stocks of smaller companies with lower valuations. While smaller companies can have a greater risk than larger, more established ones, they can also have greater long-term growth potential.

what we buy
VB : Vanguard Small Cap ETF
VBR : Vanguard Small Cap Value ETF
US Large Cap Value

US Large Cap Value

Stocks of large companies that trade at low prices relative to their peers. These big companies are typically more stable than smaller companies and generally deliver dividends.

what we buy
PXWIX : Pax Ellevate Global Women’s Leadership Fund
VTI : Vanguard Total Stock Market ETF
VTV : Vanguard Value ETF
SUSA : iShares MSCI USA ESG Select ETF
US Small Cap Growth

US Small Cap Growth

Stocks of smaller companies, typically worth less than $2 billion. These smaller companies can have greater long-term growth potential than larger companies, which can also mean greater risk.

what we buy
VB : Vanguard Small Cap ETF
Intl. Developed Markets Equity

Intl. Developed Markets Equity

Stocks of companies headquartered in developed economies like Europe, Australia and Japan, representing a large part of the world economy. They have a risk and rate of return similar to that of US Total Stock Market but can provide diversification of investment risk.

what we buy
PXWIX : Pax Ellevate Global Women’s Leadership Fund
ESGD : iShares MSCI EAFE
VEA : Vanguard FTSE Developed Markets ETF
Emerging Markets Equity

Emerging Markets Equity

Stocks of companies in developing economies, such as Brazil, India, China, and South Africa. Because the economies of these countries are in a growth phase, these stocks generally have both higher risk and return, as compared to more developed markets.

what we buy
ESGE : iShares MSCI EM
VWO : Vanguard FTSE Emerging Markets ETF
ALT. ETFS

US Real Estate

Investments in commercial properties, apartment complexes, and retail space, in the form of real estate investment trusts (“REITs”). Rents are paid out as dividends; REITs provide income, inflation protection, and diversification benefits.

what we buy
VNQ : Vanguard REIT ETF
US Real Estate

Intl. Real Estate

Investments in commercial properties, apartment complexes, and retail space outside of the US, in the form of real estate investment trust (“REITs”). Rents are paid out as dividends; REITs provide income, inflation protection, and diversification benefits.

what we buy
VNQI : Vanguard Global ex-US Real Estate ETF
Intl. Real Estate
BOND ETFS
US Short Term Bonds
US Short Term Muni Bonds
Intl. Developed Bonds
US TIPS Bonds
US Dollar Emerging Market Bonds
US Intermed. Term Bonds
US High Yield Muni Bonds
Local Currency Emerging Market Bonds
US Intermed. Term Muni Bonds
FDIC Cash
US High Yield Bonds

Where women invest.

Questions?

Who can invest with Ellevest?

Ellevest was founded to help close the gender money gaps, but we welcome clients of all gender identities and expressions. Our digital platform uses gender-specific salary curves and longevity data to provide personalized recommendations and forecasts for your goals. Ellevest is only able to serve clients living in the contiguous U.S. as well as in Alaska and Hawaii.

How does my investment portfolio work?

The personalized investment plan we design for you will include low-cost ETFs and/or mutual funds that include stocks, bonds, and alternatives — all carefully chosen to give you the best chance to meet your goals.

Once you set up a deposit, we'll use your money to buy investments. Put together, they'll make up your diversified investment portfolio.

As your investments' values go up (or down), the value of your overall portfolio will change, too. If you earn returns, then those returns also have the opportunity to earn returns, and that's called compounding. This is what makes it possible to grow your money by investing.

As you invest with Ellevest, your portfolio will be rebalanced to align with the right asset allocation for your investment plan.

Does Ellevest charge a percentage fee on my investments?

Nope! We don’t charge a separate advisory fee on your assets in the membership services. Fees for your advisory services, execution, custody and banking services (your Save and Spend accounts) are included in your membership fee.

How much does Ellevest’s money membership cost?

Ellevest has three levels of membership — you pick the one that fits your life best, and you can change anytime. The Ellevest Essential membership costs $1 a month, Ellevest Plus is $5 a month, and Ellevest Executive is $9 a month. See membership pricing options to learn about what members get at each level.

Can I withdraw my money at any time?

Absolutely. You can withdraw part or all of the money from your taxable investment accounts at any time (as long as the money has been in your account for 5 business days).

Disclaimer

Forecasts or projections of investment outcomes in investment plans are estimates only, based upon numerous assumptions about future capital markets returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This forecast is based on a Build Wealth goal and includes annual increases in monthly deposit based on your future salary curve. To forecast your salary curve, we consider your gender, salary, and education information you provide to us.

*For investing, we assumed a $150 initial deposit, plus $150 invested every month in the Ellevest Build Wealth goal. The invested portfolio will rebalance for drift and glide after the first ten years. Then we used a Monte Carlo simulation — a forward-looking, computer-based calculation in which we run portfolios and savings rates through hundreds of different economic scenarios to determine a range of possible outcomes. The results reflect a 70% likelihood of achieving the amounts shown or better, and include the impact of a 25bps advisory fee, inflation and taxes on interest, dividends, realized capital gains, and portfolio gliding.

For saving, we assumed a $150 initial deposit, plus $150 saved every month in a taxable FDIC-insured savings account with fluctuating interest rates. Then we used a Monte Carlo simulation — a forward-looking, computer-based calculation in which we run savings rates through hundreds of different economic scenarios to determine a range of possible outcomes. The results reflect a 70% likelihood of achieving the amounts shown or better, and include the impact of inflation and taxes on interest.

**Ellevest doesn’t require you to maintain a minimum account balance. However, there are portfolio specific minimums (ranging from $1 to approximately $240). You may not receive the entire recommended portfolio until your account balance meets the respective portfolio minimum. Ellevest will not rebalance a portfolio until it meets the respective account balance minimum necessary to generate the required shares. This minimum is a function of portfolio allocation and the share price of individual holdings, which will vary.