Constancy Go builds its consumer’s portfolios from a listing of six proprietary fee-free Constancy Flex mutual funds. Along with broadly diversified U.S. and international inventory funds, and a complete market U.S. home bond fund, your portfolio could embrace a small- or mid-cap inventory index fund. We respect the nod to small and mid cap US corporations that are likely to develop extra shortly than bigger companies, although with extra danger
Based mostly in your response to the preliminary interview questions, Constancy Go allocates your cash amongst these funds in keeping with your time horizon, objectives, danger tolerance and whether or not you selected an IRA or a taxable account. Customers have the choice to go together with the advisable portfolio or select one other.
The fund decisions amongst completely different portfolios are largely the identical, besides that retirement accounts get the Constancy Flex US Bond Index Fund. Taxable accounts substitute that bond fund for the Municipal Earnings Fund selection. That’s the extent of Constancy Go’s tax optimization recreation, because the platform lacks tax loss harvesting.
Asset allocations vary from conservative to aggressive. Conservative portfolios have larger allocations to bond funds, whereas aggressive portfolios put extra of your cash into inventory funds.
All funding portfolio data is supplied to you earlier than you signal on the dotted line and fund your Constancy Go account. Alternate portfolio decisions are additionally accessible by clicking on, “discover different methods” situated beneath the advisable portfolio. Moreover, listed beneath every alternate technique are values for projected return potential below two distinct market situations, common and weak markets.
The platform lacks lots of the diversification choices which might be out there from rivals like Schwab Clever Portfolios, Betterment and Wealthfront. Constancy Go doesn’t supply socially accountable funds, actual property funds, commodity choices or worldwide bond funds. Traders searching for larger funding diversification may think about alternate robo-advisors.