Start with Durriya

Smarter
investing,
set up for you

A smarter way to start or scale your investing. Tailored portfolios, expert advice at every step. No management fees. No minimums.

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Enter an investment amount

Management fees paid over 10 years

All 3 fee calculations assume an annualized rate of return of 8% and annual contributions of $5,000. The rates of return shown are net of the average management fees displayed. An investor may have outcomes that are different than what is displayed. All investments have risk.

0% management fees

Don’t let pesky management fees at traditional and robo advisors slow your growth. The worst place to take fees is from your investments, which should be, well, growing, not slowing. That’s why investment management is included in your membership at no extra cost.

Guided growth
to your goals

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

Investments

$34,865.92
9.82% this year
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My Guide
Andrew

Let’s chat about your risk tolerance with investing

Invest

without

stress

Sync

Your Guide gets to know you, your lifestyle, and your goals, then crafts an investing approach that's seamlessly supported by us, and super simple for you.

Start

We’ll implement that approach, routing contributions to your diversified portfolio that meets your goals and risk profile. Then we’ll automate investing to build long-term wealth with ease.

Scale

We’ll monitor, manage, and modify your approach to make sure as your life changes, your investing approach does too.  We’ll also work with you to minimize taxes and expenses.

Get investing
with a Guide

Hear inspiring stories from real members
making real progress.

“I was pretty fearful of investing, I really needed someone to guide me.”

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Steph
Real Fruitful Member

The people in these videos are real Fruitful Members who were paid in cash for their time and participation in this series. We think that is fair.¹

Each testimonial reflects the individual Member's experience as an advisory Client and is not intended to represent any other Member's or Client's experience.

We believe in the integrity of this approach and that, outside the conflict of interest present due to compensation, no other conflicts apply to these testimonials.

These Client testimonials were given in October 2023, represent the opinions of each Member at that time, and may have been edited for brevity and clarity.

Progress with a partner

Supported

Your Fruitful Financial Guide will help you start and scale your investing with advice and support at every step of the journey.

Simple

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.

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Sensible

No investment minimums, no management fees, no nonsense. Fruitful makes investing accessible and easy.

Frequently asked Questions

How is personalized investing part of the Fruitful membership?

Fruitful is a financial wellness membership that provides access to:

1. Expert advice and support from a dedicated Fruitful Guide, who is a CERTIFIED FINANCIAL PLANNER™ Professional that helps with all aspects of your finances.

2. A 5.00% APY High Yield Savings Account, more than 10x national average*

3. Tailored investment portfolios with expert support at every step and no management fees.

The combo of these 3 core benefits allows our members to organize and optimize their finances in a way that’s simple, smart, stress-free, and sustainable. Members can improve their finances, make real progress toward goals, and eliminate stress. That sounds nice!

*Rates according to FDIC Monthly Rate Cap Information as of July 18, 2024.

Why might this be better than other investing options?

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.

Wait, there are no management fees?

No, we don’t charge management fees on your investment accounts. Fruitful’s membership cost covers all member benefits. We think the absolute worst place for an investment firm to charge their fees is from your investment account because it can slow down the potential growth of your investments, and also requires that more of your portfolio is kept in cash (to be able to pay the fees) — potentially slowing it down even more. Translation - by removing the management fees the money you set aside for investing can be fully working for you, all the time, and your returns will not be eaten away by management fees, allowing them to grow more over time.

What investment options do I have?

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.

What are the advantages of using Fruitful vs. a robo-advisor?

Robo-advisors often make portfolio recommendations without the full context of your larger financial picture and how that changes over time. For instance, if you told a robo-advisor you have $10k to invest in a brokerage and need the money in 15 years, it might recommend an asset allocation that addresses only that information. That may not be helpful and aligned with the other parts of your financial roadmap. Fruitful believes it’s important to take a step back and ask, “Hey, what else is going on? Do you have credit card debt to pay down, are you buying a house soon, how have you been saving for retirement?” Our financial Guides help you navigate decision making at every step by understanding your entire financial world and optimizing your investment approach accordingly.

How are the investment approaches and portfolios built?

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.

How do the Fruitful Guides help?

Your financial Guide is like your holistic financial wellness guru — they get a picture of your entire financial life, what’s going on now, and what’s coming down the pipeline to determine how to optimally allocate and invest your money to balance the many priorities you may be juggling. Your Guide will help you choose the right approach based on your goals, tolerance for risk, and timeline, among other factors.

Can I change my investment strategy over time?

Yes, and this is expected and accommodated as your financial goals and priorities shift over time. Your investment strategy is a part of your larger financial strategy that you and your Guide will work on together.

What kinds of accounts are available to Fruitful Members?

Fruitful supports and manages individual, joint, and trust non-retirement accounts as well as Roth, traditional, rollover, simple, and SEP IRAs. We can also provide strategy, ongoing advice, and support on investments not directly managed by us. Fruitful also offers a high-yield cash account. Learn more here.

What are the expense ratios on Fruitful portfolios?

An expense ratio is a yearly fee that mutual, index, and exchange-traded funds charge. If a fund has a 1% expense ratio, you're shelling out $1 for every $100 you put in. High fees can eat into your returns big time. Fruitful managed investment portfolios have an average expense ratio of just 0.048%. That’s really low - around 1/10 of the average expense ratio across the fund industry, which was 0.47% in 2022.¹



¹Mutual fund and ETF expense ratio averages sourced from Vanguard. Link here.

Can I transfer or rollover my existing investment accounts to Fruitful?

Yes! Talk to your Guide about this process and what it means for your current holdings. At Fruitful, our investment approach is built around diversification, so we don’t hold individual stocks or bonds in our Members’ accounts. Not only does this align with our advice, but it helps us keep our costs low and our service seamless. Any positions you transfer in will be sold and reallocated based on the asset allocation you determined with your Guide.

I currently own stock in my employer. Can I transfer that to Fruitful, too?

Our portfolios are designed around diversification using exchange-traded funds, index funds, and sometimes mutual funds. If you want to maintain some employer stock, you should keep that outside Fruitful. That said, your Guide may recommend diversifying some of those holdings, and in that case, you can make a transfer of some stock to Fruitful, where it can be sold and allocated based on your personalized portfolio.

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© Fruitful 2024 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its separate, affiliated subsidiaries. Fruitful, Inc. is an investment adviser registered with the U.S. Securities & Exchange Commission, offering investment advisory products and services exclusively to Members with an active Subscription. Learn more about Fruitful in our Form CRS.

This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Rebalancing cannot assure a profit or protect against loss in a declining market. Fruitful relies on information from various sources believed to be reliable, including information from its Members, Clients, and other third parties, but cannot guarantee the accuracy or completeness of that information.

Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. Funds in the bank accounts are insured for up to $250,000 per depositor, depending on the ownership category. Interest rates are variable and subject to change at any time. These rates are current as of July 18, 2024.

¹ The people in these videos are real Fruitful Members who were paid in cash for their time and participation in this series. We think that is fair. Each testimonial reflects the individual Member's experience as an advisory Client and is not intended to represent any other Member's or Client's experience. We believe in the integrity of this approach and that, outside the conflict of interest present due to compensation, no other conflicts apply to these testimonials. These Client testimonials were given in October 2023, represent the opinions of each Member at that time, and may have been edited for brevity and clarity.

² Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.