Wealthfront Roth IRA
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Automated investing with direct indexing for accounts over $100K. 0.25%/yr management fee, no trading commissions.
B+Best for Tech-Forward Automation
Wealthfront charges 0.25% annually and differentiates with its Path financial planning tool — a projection engine that models Social Security, home purchases, and college costs alongside your Roth IRA to show a full retirement picture. The $500 account minimum is the only barrier to entry among these five options. Portfolio Line of Credit (borrow against your portfolio at competitive rates) is available for accounts over $25,000 and adds liquidity flexibility uncommon in Roth IRA providers.
Pros
- Path financial planning tool projects full retirement picture including Social Security
- Portfolio Line of Credit for accounts over $25,000
- Automated tax-loss harvesting and risk-parity portfolio options
Cons
- $500 minimum investment required to open an account
- 0.25%/year fee same as Betterment with less proven track record for SRI options
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