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Our Investment Philosophy

It’s not about beating the market — it’s about reaching your goals.

— Sylvia Kwan, Chief Investment Officer

How much risk should you take?

Depends on your goal.

A risk quiz isn’t enough. That’s why we tailor the mix of stocks, bonds & alternatives to each of your individual goals.

Risk Capacity By Goal

Emergency Fund
Kids Are Awesome
Start My Own Business
Retirement On My Terms
Build Wealth

What We Consider:

  • The kind of goal you’re saving for
  • How long you’re planning to invest
Learn More

Thoughtfully selected investments

Ellevest Impact Portfolios include asset-class diversity — while investing to make the world better for women.

21 Asset Classes




Contains Impact Fund

So… What About Beating the Market?

The market goes up and down, but your financial goals are often constant. That’s why we’re not only focused on maximizing your returns — but also, helping you reach your goal target (or higher) in 70% of market scenarios.

Historically Weak Markets
Historically poor markets mobileHistorically poor markets desktop
Historically Strong Markets
Historically good markets mobileHistorically good markets desktop
  • Legend averagebtm Average Investor Proxy
  • Legend highbtm S&P 500 Proxy
  • Legend goalbased Goal-Based Portfolio Proxy
About Past Performance

As for which strategy earns higher returns, in general, an all-equity “beat the market” strategy has yielded better returns in up markets. A “goal-based” strategy has historically done better during tougher times.

$0 Minimum. Grab Life By The Bottom Line.