You could be missing out on hundreds of thousands of dollars, over time, by saving your money rather than investing it.*
The investing industry was built by men, for men — which means its supposedly “gender-neutral” tools were failing women.
Our investment algorithm factors in important realities for women, such as pay gaps, career breaks, and longer average lifespans.
Ellevest meets you where you are. There’s no minimum deposit** to start investing, so you can do more for your money today.
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.
Stocks of large companies with strong earnings growth. These big companies are typically more stable than smaller companies.
Stocks of mid-size companies with low valuations, typically worth between $2 billion and $10 billion.
Stocks of mid-sized companies, typically worth between $2 billion and $10 billion with strong earnings growth.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Nope! We don’t charge a separate advisory fee on your assets in the membership services. Fees for your advisory services, execution, and custody services are included in your membership fee.
Ellevest has two levels of memberships — you pick the one that fits your life best, and you can change anytime. The 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.
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).
Note: The ranges of fund fees stated above include blended expense ratios for investors’ overall portfolios, not individual fund expense ratios.
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.