Start with Durriya

Smarter
investing,
set up for you

A smarter way to start or scale your investing. Tailored portfolios with advice to get set up.

photo of Raquel smiling

Guided growth
to your goals

  • Portfolios built by professionals, tailored to you
  • Your 1-to-1 Fruitful Guide advising you at every turn
  • No investment minimums, start with as little as $1
  • Tax-loss harvesting and automated rebalancing
Get started

Investments

$34,865.92
9.82% this year
My Guide
Colin

Let’s chat about your risk tolerance with investing

Portfolio Paths

Our portfolios are carefully constructed to maximize diversification and optimize for building long-term wealth, while minimizing expenses

Set-up &
Supported by
your Guide

Tailored to
your goals
and timeline

No minimums
and
no nonsense

Easy, automated
contributions and
rebalancing

Core

Our globally diversified portfolio designed to make your money work smarter and harder for you.

ESG

Our diversified portfolio designed around environmental, social, and governance considerations.

Investing involves risk, including the possible loss of principal. It isn't possible to invest directly in an index. Past performance does not guarantee future results.

Tailored to you

We’ll strike the right risk-reward balance for your unique goals and timeline.

Portfolio Type

Core
ESG

Account Type

Taxable
Retirement
US Stocks

ⓘ

US Stocks include:

Vanguard Value Index Fund ETF
Vanguard Growth Index Fund ETF
Vanguard Mid-Cap Index Fund ETF
Schwab US Small-Cap ETF

48%
International Stocks

ⓘ

International Stocks include:

SPDR Portfolio Developed World ex-US ETF

6%
Emerging Markets Stocks

ⓘ

Emerging Markets include:

Vanguard Emerging Markets Stock Index Fund ETF

6%
US Aggregate Bonds

ⓘ

US Aggregate Bonds include:

iShares Core U.S. Aggregate Bond ETF

US Aggregate Bonds include:

iShares ESG Aware US Aggregate Bond ETF

13%
US Intermediate Bonds

ⓘ

International Bonds include:

Vanguard Total International Bond Index Fund ETF

10%
US Corporate Bonds

ⓘ

US Corporate Bonds include:

Vanguard ESG US Corporate Bond ETF

15%
Municipal Bonds

ⓘ

Municipal Bonds include:

Vanguard Tax-Exempt Bond Index Fund ETF

15%
Emerging Market Bonds

ⓘ

Municipal Bonds include:

Vanguard Emerging Markets Govt Bd Idx ETF

10%
International Bonds

ⓘ

International Bonds include:

Vanguard Total International Bond Index Fund ETF

10%

Risk Preference

5

Together, we'll decide on a bespoke investing approach built on low-cost, diversified ETF funds that span global asset classes. We handle the hard stuff like building your diversified portfolio and managing risk. Then we automate investing overtime to build long-term wealth with ease.

Get Started

Investing involves risk, including the possible loss of principal. It isn't possible to invest directly in an index. Past performance does not guarantee future results.

Investment POV

Investing can be confusing and over-complicated. Our portfolios are built on clear, effective principles.

Keep it simple

Asset-based and tiered management fees charged by advisors and legacy firms can be confusing. By not charging higher fees, we keep things simple and transparent.

Be goal-oriented

Every goal needs its own plan. Tell us what you're saving for, your timeline, your needs, and contributions. We'll create a tailored approach with just the right amount of risk to hit your targets.

Be early, be everywhere

We seek to minimize concentration risk, maximize diversification, and get your earnings compounding ASAP.

Let markets make moves for you

Over the long haul, we believe in a steady approach. We avoid complex and expensive products and build portfolios with the most appropriate ETFs, index funds, and mutual funds.

Small fees take big bites

A 1% fee can eat up 33% of your account value over 25 years. We don’t charge high, traditional advisory fees to manage your investments.

Take taxes seriously

Our portfolios are designed around the type of account you open (whether taxable or qualified retirement account). Over time, tax savings and extra earnings compound significantly. We’ve always got taxes in mind.

Investing involves risk, including the possible loss of principal. It isn't possible to invest directly in an index. Past performance does not guarantee future results.

People love Fruitful.

Sydney D.

I love having a fruitful membership!

I love having a fruitful membership!! I was recommended by a friend and the expectations lived up. I love even the process of signing up and finding an advisor, the functionality of the app, feeling in control of my finances, and my advisor Naomi! Discussing finances takes a lot of vulnerability and Naomi has made me feel comfortable and confident. She breaks down my budget in a way that makes sense, hears me out on my goals and priorities, and makes budgets that are attainable. Truly enjoying my experience :)

Amy

"It’s given me a lot of peace and clarity around my finances."

Amy
/ Fruitful Member

Kevin

Transformational personal finances

Money has always felt like a suffocating experience. Working with our Fruitful coach has, for the first time our lives, made us feel like we were putting our money where it mattered most. The low subscription cost is well worth its weight in gold.

Kathleen

"It has been pivotal with major life decisions."

Kathleen
/ Fruitful Member
Raquel

"I'm excited about the milestones that I've hit."

Raquel
/ Fruitful Member

Christy

Have Already Referred 4 Happy Friends!

Fruitful was the best decision I’ve made for my finances.

I thought I was managing okay — until I joined Fruitful and realized how disorganized things really were.

My advisor helped me budget for an out-of-state move, buy a new car, optimize my investments, and start saving for my son’s college.

It honestly feels like having a therapist for my finances — and I’ve never felt more in control.

Eli

"I don't feel like I'm flying by the seat of my pants."

Eli
/ Fruitful Member

Jen S.

Over a year with Fruitful and thrilled !

I have been with Fruitful for over a year now and it’s been an amazing experience! My advisor took the time to understand my challenges and my short- and long-term goals, then developed an easy to follow plan with action steps that helped me make progress quickly. I finally feel like my savings and investments are moving in the right direction and I am no longer feeling anxiety about my financial situation. So happy I took a leap and tried out Fruitful!

Jason F.

Fruitful has been life changing

Fruitful has been life changing. As someone who use to work in the finance industry, I can speak to the value this app and our fruitful guide, Paige, have brought. Not only has she helped us with our budget (which has been awesome) but has also looked into our whole picture including my work benefits to ensure I’m getting the most out of them. She even let me know I had legal benefits that would allow us to set up a will at low cost, something I never even noticed. The money map has also been a game changer. Seriously stress free once you get it set up correctly. Highly recommend!

See my Money Map

Written starred ratings and reviews are provided by Trustpilot and may not represent the experience of all clients. No compensation was provided for reviews. Ratings and reviews are not indicative of future performance. Please visitTrustpilot.com/review/fruitful.comto see all reviews. Pictured Members are current Members we paid in cash for participating in this testimonial series. This could create a conflict of interest. Each video is edited to be clear, concise and reflect the experiences of an individual Member, not others, at the time of filming. These testimonials don’t guarantee future performance or success3.

Build your future now.
Start for free.

~3 minutes to get your Money Map
No payment
required

  • Know exactly where every paycheck should go

  • Automatically fund bills, spending, savings & goals

  • Get 1-on-1 help from a financial professional

  • Grow your money with pro investment management

  • Earn up to 4.00% APY1 on all of your cash

  • Earn up to 2% cash back on spend2

See my Money Map

Frequently asked Questions

Fruitful is a personal finance platform that shows you what to do with your money, then makes it happen. You get a money system built for you, 1-on-1 help from CFP® professionals, and smarter ways to spend, save, and invest, all working together to keep you organized and moving toward your goals.

Your Money Map is the personalized plan for your money. It shows you exactly where every paycheck should go, across bills, spending, saving, investing, and when you’ll hit your goals. Then Fruitful helps you put it all into action automatically.

There’s no cost to get started with Fruitful. You can get fully set up, meet with your Guide, use your money system, and access Fruitful’s financial products with no membership fee. Some fees may apply depending on how you invest.

‍

When you sign up, your first 3 months of Premium are included at no cost. After that, you can keep Premium for $999/year or continue with Fruitful at $0 membership. Either way, your Money System keeps working for you.

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Premium gives you more ongoing access to your Guide, higher rewards, and no investment management fees.

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Learn more about Fruitful Premium →

Your first $10,000 is always managed with no investment management fee.

‍

Above $10,000, Fruitful charges a 0.25% annual management fee, a standard rate for automated investment management platforms. With Fruitful Premium (and some legacy memberships), there’s no investment management fee at any balance.

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Because your first 3 months of Premium are included when you sign up, you’ll pay no investment management fees during that time. After 3 months, you can stay with Premium for $999/year or continue with Fruitful at $0 membership. Either way, your first $10,000 stays fee-free.

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‍Learn more about Fruitful Premium →

Many available investing options can present challenges in a couple ways. You can either:



1) pay someone a lot in asset management fees to “manage” your investments, hopefully in line with your goals and risk tolerance; or, 



2) go it on your own with robo advisors, hoping you clicked the right boxes to get the investments that align with your goals and risk tolerance immediately and over time. 



Having a personal financial Guide advising on and supporting your decisions, combined with our streamlined process for setting up and scaling your investments means that you get a portfolio designed to meet your goals without confusion or the negative impact caused by management fees.

Your Fruitful Guide will work with you to recommend the account type and asset allocation that’s right for you based on several factors, including your goals, risk tolerance, and future plans. Our investment approach is data-backed and straightforward. We build low-cost, highly-diversified portfolios primarily using exchange-traded funds (ETFs) and index funds, and may include some mutual funds. Individual stocks and bonds are not included in Fruitful’s investment strategies.

Our Guides tailor members' investment approaches to their personal goals, lifestyles, timelines, and risk-tolerances. Our portfolios are built from a carefully curated list of low-cost index, mutual, and exchange traded funds to minimize expenses and maximize diversification, providing members with broad exposure to different asset classes including domestic, non-US developed, and emerging stocks as well as corporate, government, and international bonds. Our core aim? Striking the risk-reward balance that's right for each member and their unique financial journey.

At Fruitful, your money is held with established financial institutions built to keep it safe.

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Fruitful Cash accounts are held at Emigrant Bank, Member FDIC, a bank founded in 1850 and one of the largest privately held banks in the country.

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Your investments are held and cleared by Apex Clearing Corporation, Member FINRA/SIPC, one of the largest investment custodians in the U.S. Apex holds more than $276 billion in assets.


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And the people helping you make financial decisions are held to high standards, too. Fruitful Advisory is an SEC-registered investment adviser, and every Fruitful Guide is a CERTIFIED FINANCIAL PLANNER™ professional and investment adviser representative.

For general inquiries, email hello@fruitful.com.

For member support, email support@fruitful.com.

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