Finding the best investment planning solutions is crucial to build and execute a successful long-term investment strategy. With many options available, it can be challenging for investors to determine which solutions are most suitable for their needs. In this article, we review the top 5 highest rated investment planning solutions based on features, costs, ease of use and capability to generate optimized investment plans tailored to individual risk tolerance and goals.
Personal Capital’s free finance tools and paid advisory services
Personal Capital offers an industry-leading set of free personal finance tools including investment checkups, retirement planning and net worth tracking. For investors seeking professional guidance, Personal Capital’s hybrid solutions couple cutting-edge technology with dedicated human advisors who provide personalized recommendations backed by rigorous analysis.
Blooom’s low-cost retirement optimization for 401(k) and IRA accounts
Blooom focuses specifically on optimizing retirement investment accounts like 401(k)s and IRAs. The easy-to-use interface links directly to your accounts and provides specific recommendations for allocating funds based on your financial situation and goals. At just $10-$120 per month, Blooom provides affordable access to professional investment advice.
SigFig’s automated intelligent portfolio management
SigFig constructs and automatically manages diversified ETF portfolios tailored to each investor’s preferences and risk tolerance. Advanced algorithms optimize asset allocation, rebalance holdings, harvest tax losses and minimize fees while sophisticated analytics track performance versus benchmarks.
FutureAdvisor’s digital solutions backed by BlackRock’s expertise
FutureAdvisor harnesses BlackRock’s market insights and risk analytics to offer affordable investment management services for both retirement and taxable accounts. Customized portfolio recommendations aim to maximize returns at every risk level through disciplined asset allocation, regular rebalancing and tax-sensitive strategies.
Wealthfront’s combination of cutting-edge tools and human oversight
Wealthfront utilizes advanced software to create and manage portfolios of ETFs tailored to each investor’s financial situation. However, oversight from human experts helps guide major account decisions to ensure alignment with broader goals and risk tolerance. Unique features include tax-loss harvesting, direct indexing and excellent planning tools.
The top investment planning solutions provide a combination of technological sophistication and human expertise to construct personalized portfolios tailored to individual investor needs. Key capabilities include retirement and tax optimization, goal-based advice and disciplined portfolio management techniques.