FutureAdvisor

FutureAdvisor is a digital investment manager registered with the U.S. Securities and Exchange Commission and based in San Francisco. Founded in 2010, the company is reported to have $400 million in assets under management. Among its investors are Sequoia Capital, Canvas Venture Fund, and Devonshire Investors, the private investment arm of the owners of Fidelity.

Product

Like other robo-advisors, FutureAdvisor automates portfolio management with software that adjusts for investors' age and risk appetite. As a whole, robo-advisors apply modern portfolio theory, the Black-Litterman model and other algorithms to manage investments passively, much like a traditionalfinancial adviser. That is, they adjust asset allocation according to notions of a "balanced" portfolio, rather than pursuing "active" strategies like market timing, stock picking and value investing. FutureAdvisor manages assets directly across multiple Fidelity Investments or TDAmeritrade brokerage accounts and IRAs.

Methodology

FutureAdvisor uses index funds and low-fee exchange-traded funds to create portfolios that adhere to modern portfolio theory. Under MPT, the proportion of assets allocated to foreign and domestic equities, bonds and real-estate investment trusts should vary according to an investor's age and risk appetite.

Accounts at FutureAdvisor are managed via self-executed trades which means all investment selections, trades, and re-balancing suggestions are identified via platform integrated investment algorithms, but all trades are executed manually by the client through a third party broker-dealer. As such, FutureAdvisor may be a good choice for those that need guidance on how to properly manage a portfolio, but who ultimately want to act as their own decision makers and to remain personally involved in their investments.

The automated investment service utilizes rebalance recommendations, tax optimized portfolio design, and tax-loss harvesting recommendations to optimize investment returns. FutureAdvisor is a viable investment service regardless of your planned investment size because of its low fees at all account sizes.

The FutureAdvisor Portfolio

FutureAdvisor defines and invests in the following twelve asset classes to create well-diversified portfolios. Allocations across these assets are informed by each individual user's age, investment horizon, and risk tolerance.

Learn more about these asset classes and the underlying investments here.

How does the premium service compare to other investment management services? Let's take a look at how the options stack up:

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Facts

Management Type: Self-Executed Trades
Total Assets: $14B
Portfolio Composition: ETFs & Stocks

Optimizations

Rebalance Recommendations
Tax Optimized Portfolio Design
Tax Loss Harvesting Recommendations

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Minimum Balance

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