Pricing

25% of profits.
Nothing else.

No management fee. No trading commissions. No account fees. We only make money when you make money, and only on your net new profits.

High-water mark

You only pay on
new all-time highs.

The high-water mark ensures you never pay a performance fee twice on the same profit. If your portfolio goes from $10,000 to $12,000, you pay 25% on the $2,000 profit. If it then drops to $11,000 and recovers to $12,500, you only pay on the new $500 above the previous high, not on the $1,500 recovery.

Fees are settled quarterly. If a quarter ends with no new high-water mark, you pay no fee that quarter.

Example
Starting balance$10,000
Profit this quarter+$2,000
Our fee (25%)−$500
Your net profit+$1,500
New high-water mark$11,500
Fee calculator

See what you'd pay.

Adjust the sliders to estimate your annual fee. All figures are illustrative. Actual returns may differ materially.

$10,000
$1,000$500,000
20%
-20%+100%
Gross profit+$2,000
Invest AI fee (25%)-$500
Your net profit+$1,500

This calculator is for illustrative purposes only. Hypothetical projections are not indicative of actual returns. Past simulated performance does not guarantee future results.

Comparison

The only platform that charges $0
when you're down.

Every other platform takes your money whether they make you money or not.
We only get paid when you do.

Illustrative example

$10,000 starting balance. Not a projection of actual returns.

Scenario A
You had a bad year
Portfolio fell 10%. Now worth $9,000.
Betterment fee−$25
Wealthfront fee−$25
Invest AI fee$0

Because you lost money, you paid nothing. Betterment and Wealthfront still charged their annual fee regardless.

Scenario B
You had a good year
Portfolio grew 10%. Now worth $11,000.
Betterment fee−$25
Wealthfront fee−$25
Invest AI fee−$250

You made $1,000. We kept $250. You kept $750 in net gains. Our fee exists only because you profited.

BettermentWealthfrontInvest AI
Management fee0.25%/yr0.25%/yr$0
Fee on a losing year0.25%0.25%$0
Minimum investment$0$500$1,000
WithdrawalAnytimeAnytimeAnytime
Strategy typeIndex fundsIndex fundsAI-managed, active
High-water markNoNoYes

Fee on losing year reflects 0% performance fee when returns are negative. Past performance does not guarantee future results.

How our fees work

We take 25% of the profits we make for you. That is it. No management fees. No hidden charges. If we do not make you money, you do not pay us.

Illustrative example
You deposit$10,000
We grow it to$11,000
Your profit$1,000
Our fee (25% of profit)$250
Your net gain$750

This is called a high-water mark performance fee. It keeps our interests perfectly aligned with yours. We earn only when you earn.

Why not a robo-advisor?
  • Betterment and Wealthfront buy and hold index funds. They do not trade actively or adapt to market conditions. In a down market, they ride it down and charge you their annual fee for the privilege.
  • Invest AI's model actively manages your portfolio, responding to market signals around the clock. We are not guaranteed to beat the market, but we are not simply tracking it either.
  • Because we only profit when you profit, we have a direct financial incentive to actively manage your capital, not just hold it.

Past performance does not guarantee future results. This is an illustrative example, not a projection of actual returns.

Coming soon

Tax optimization.

We're building tax-loss harvesting and wash-sale management directly into the platform. When available, this will be included at no additional cost for eligible accounts.

Only pay when you profit.

Join the waitlist for early access.

Join waitlist →View simulated performance