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Wealthfront

robo-advisor · US
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Wealthfront is an automated investment platform that combines robo-advisor portfolio management with direct indexing and self-directed trading capabilities. The standard management fee is 0.25% annually across all account sizes. The flagship feature is direct indexing — available on taxable accounts over $100,000 — which holds individual stocks directly (rather than ETFs) to enable more granular tax-loss harvesting at the individual holding level. Standard tax-loss harvesting is included at all balance levels on taxable accounts. Wealthfront also offers an automated bond ladder for fixed-income allocations and a high-yield cash account that routes deposits to partner banks for FDIC coverage. Beyond automated management, users can trade individual stocks and ETFs commission-free within the same platform. The account minimum is $500. Wealthfront supports taxable brokerage, Traditional/Roth IRA, SEP IRA, 529 college savings, and trust accounts. There is no human advisor tier — portfolio management is fully automated, and support is through the digital channel only.

What does Wealthfront cost and how does it work?

Wealthfront offers 25 basis points (Standard (%/yr)). Account minimum: $500. Automated investment platform with tax-loss harvesting, direct indexing, and a competitive cash account rate. Also offers commission-free trading of individual stocks and ETFs. $500 account minimum.

⚠ Not Financial Advice

The information on this page is provided for informational and educational purposes only. It does not constitute personalized investment advice, a recommendation, or an endorsement of any specific investment product or strategy. Past performance does not guarantee future results. All investment decisions involve risk, including the potential loss of principal. You should consult a qualified financial advisor or investment professional before making any investment decisions. Fee structures, account minimums, and platform features are subject to change — verify current terms directly with each provider before opening an account.

Pricing

Standard (%/yr)$0.25/yr

// verify pricing before launch — prices shown may not reflect current vendor rates

Key Features

  • •Automated portfolio management at 0.25% annual fee
  • •Tax-loss harvesting on taxable accounts at all balance levels
  • •Direct indexing (individual stock holdings) for accounts over $100,000 — enables holding-level tax-loss harvesting
  • •Automated bond ladder for fixed-income allocation
  • •Commission-free trading of individual stocks and ETFs
  • •Cash account with competitive interest rate through partner banks
  • •529 college savings plan accounts
  • •Automated rebalancing and dividend reinvestment
  • •Portfolio line of credit (margin lending) against taxable accounts
  • •Goal-based planning tools for retirement, home, education, and other goals

Pros

  • +Direct indexing for accounts over $100,000 provides more granular tax-loss harvesting than any competitor at the same price tier
  • +Automated bond ladder is unique — structures fixed-income allocation through individual bonds rather than bond ETFs
  • +Commission-free stock and ETF trading gives flexibility beyond pure robo-advisor allocation
  • +Competitive cash account rate through partner bank routing with FDIC coverage
  • +Goal-based financial planning tools integrated into the dashboard alongside the investment portfolio

Cons

  • −No human advisor access at any tier — portfolio management is fully automated with digital-only support
  • −$500 account minimum is higher than the $0 minimum offered by Betterment and Fidelity Go
  • −No flat-fee pricing option — 0.25% on all balances means small accounts pay proportionally more than at Betterment ($4/mo) or Fidelity Go (free under $25k)
  • −Portfolios tend toward aggressive allocations per some analyses — verify the risk questionnaire matches your tolerance
  • −Direct indexing locked behind $100,000 minimum — standard tax-loss harvesting is available to all but lacks the granularity advantage

Available on

WebiOSAndroid

Integrations

Plaid (account linking)

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Reviewed by Finatune · Last updated 2026-06-20