Goals

Our Safety Net goal is intended to help you save and invest funds that can be used for a future emergency or unexpected expense. Your emergency fund should contain enough money to cover your basic expenses for a minimum of several months. Rather than keeping your emergency funds in cash, which may lose value to inflation over time, we’ll invest your funds into a moderate-risk portfolio. The allocation of stocks and bonds we use in a Safety Net goal is 30% stocks and 70% bonds.

We aspire to help you build a personalized financial plan based on the specific investment goals you’re trying to reach. Within each of your taxable legal accounts, you can set multiple goals, each with a different time horizon and target amount. Legal Account Types Taxable Personal Taxable Account Can contain multiple goals Joint Taxable Account Can contain multiple goals. Trust Taxable Account Can contain multiple goals IRA Traditional IRA Roth IRA SEP IRA Inherited Traditional IRA Inherited ...

Our “General Investing” goal does not require a defined target date or amount. By default, we’ll select an allocation appropriate for your age, with a maximum of 90% stocks and a minimum of 55% stocks. You can always adjust the specific allocation yourself. However, keep in mind that goal-based investing can work better when you designate timelines and target amounts, so that we can advise you on what you’ll need to do so you can keep saving and growing your money.

Once you’ve set up your goals, make sure that they continue to reflect your real life goals is important to keep doing over time. If you need to make changes to a goal, such as updating the end date or the target amount, you must be logged in from a web browser rather than the mobile app. Select the goal from the menu on the left, then click “Goal Settings”. You’ll see an option that says “Edit Goal” on the drop-down menu. For each goal, you can change: Goal name—what you choose to call a goal. ...

Our automated advice tools continuously track portfolio performance for each of your goals, and we’ll indicate whether you will reach your goal’s target amount if there is average market performance. Your portfolio performance is categorized as either “On-Track” or “Off-Track” depending on whether you are likely to reach your target or not. Portfolio performance is “Off-Track” when the projected value of your portfolio in the future—the current balance plus future contributions plus investment ...

You can transfer between two individual investing goals, between two joint investing goals, or between an individual investing goal and a joint investing goal—each once per day. Transfers between goals typically take 1-2 business days to complete. You can transfer between an individual investment goal and your individual Cash Reserve, or between a joint investment goal and your joint Cash Reserve—up to 5 times per day. These transactions generally take 1-2 business days to complete. Within ...

Syncing your outside investment accounts—such as 401(k)s, IRAs, and taxable accounts held at other institutions—helps us give you better investment advice. In addition to investment accounts, you can also securely sync debt accounts, such as mortgages and loans. This helps you see your overall financial picture, putting you more in control of your wealth. Your synced account data is updated automatically, every day, so you’ll always know where you stand. To sync your accounts, you must first ...