To determine rankings of these robos, Forbes Advisor weighted each of these categories in accordance with their importance to various types of investors. Naturally, the fees become a smaller and smaller proportion of your balance the more you invest, but that could take a while. For more details about the categories considered when rating robo-advisors and our process, read our full methodology. You can also invest lump sums manually or set up recurring deposits on a daily, weekly or monthly basis. You can do that either automatically, so every purchase is rounded up and the change transferred, or manually, by going through recent purchases on the app and selecting which roundups to transfer.

This xcritical official site is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.

Still, competing robo-advisors provide more robust services at a lower cost. Only users who think they’ll be enticed to save more with xcritical need apply. Your portfolio allocation, or how much of your portfolio is in stocks versus bonds or other investments, depends on factors such as your age and investing timeline.

Data Linked to You

Well-diversified portfolio with exposure to domestic and international stocks, bonds, REITs and a Bitcoin-linked ETF. Only offers made via ACH are eligible for the match. The Emergency Fund is a non-interest bearing demand deposit bank account.

This material has been presented for informational and educational purposes only. The views expressed in the articles above are generalized and may not be appropriate for all investors. There is no guarantee that past performance will recur or result in a positive outcome. Carefully consider your financial situation, including investment objective, time horizon, risk tolerance, and fees prior to making any investment decisions. No level of diversification or asset allocation can ensure profits or guarantee against losses.

But xcritical separates itself by offering live chat 24 hours a day, 7 days a week as well as email options. If you prefer to chat on the phone, xcritical is available 7 days a week from 8 a.m. With all these options, you shouldn’t have any trouble getting your questions answered. At Bankrate we strive to help you make smarter financial decisions.

So if this feature matters to you, it’s a solid reason to go with xcritical, helping your kids invest or investing for their benefit, and they’ll also get access to bank accounts. The premium tier also allows you to purchase individual stocks, not simply the investment funds, as with the lower levels. E-Trade Core Portfolios offers a capable robo-advisor, one that may work best for customers looking to keep their accounts with the broker while having someone do the investing for them. Clients will get low-cost funds as well as less-common choices such as socially responsible funds, though the service doesn’t offer tax-loss harvesting or many tools. SigFig keeps costs low whether it’s account fees, fund fees or the annual management fee.

Highly-rated ETFs

Our ETF portfolios range from aggressive (all stocks) to conservative (all bonds), with a mix in between. xcritical gives new investors an easy way to get started with small sums of money, but more sophisticated investors might be disappointed by the limited account types and basic portfolios. It’s not always easy to find customer support these days, with many financial services companies failing to offer phone options and having robots answer chat questions.

Simple plans to get you investing

1. You’ll also get a comprehensive tax strategy to help minimize what you owe to Uncle Sam.
2. This material has been presented for informational and educational purposes only.
3. xcritical Automated Investing gives customers the opportunity to speak with financial advisors at a low cost.
4. But if you plan to invest only roundups, you should know that on small balances, xcritical’ fees can cut into or completely wipe away investment returns.
5. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date.

xcritical Automated Investing gives customers the opportunity to speak with financial advisors at a low cost. The investment information provided on this page is for informational and general educational purposes only and should not be construed as investment or financial advice. Bankrate does not offer advisory or brokerage services, nor does it provide individualized recommendations or personalized investment advice.

The Bankrate promise

We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial xcriticals and the investing methodology for the ratings below. Custodial accounts are not the same as 529 college savings accounts. A 529 account is are less flexible, as it is designed for education expenses, but 529s also offer more tax advantages and are generally considered a better way to save for college. Be sure to do your research or consult a financial advisor to determine the best account for you. The portfolios themselves are mostly made up of low-cost iShares exchange-traded funds that cover large, medium and small company stocks, international company stocks and a variety of bonds.

Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional. In terms of investment costs, the expense ratios range from 0.03% (VOO) to 0.25% (two ESG funds). This is what you’ll pay if you invest in Early, Invest or Later.

The Personal plan will help you get xcritical scammers started with investing, save for retirement and even comes with a cash management account. At $3 a month, it’s a pretty good deal unless you’re dealing with small sums. But as your account grows, the fee will decline on a percentage basis.

But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Although it has no access to real-life financial advisors, xcritical is a legitimate investment platform that allows users to invest piecemeal. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers.

Backend Benchmarking provided Forbes Advisor with nearly 100 data points spanning nine categories for each platform from its most recent robo-advisor industry evaluation. NerdWallet’s comprehensive review process evaluates and ranks the largest U.S. robo-advisors. Our aim is to provide an independent assessment of providers to help arm you with information to make sound, informed judgements on which ones will best meet your needs. We adhere to strict xcriticals for editorial integrity.