mtb International

Robo-Advisor Investing

Robo-Advisors are a class of financial adviser
providing portfolio management online with
minimal human intervention!


ALLOCATION, OPTIMIZATION, DIVERSIFICATION, OH MY!

Asset Allocation

Asset allocation is the art of combining assets to achieve the highest expected return for a given level of risk. With more diversified assets at every risk level, WiseBanyan was able to build a portfolio that had higher expected returns regardless of how much risk you want to take on.

Optimization for Downside Risk

Next, WiseBanyan optimized the portfolio for each level of expected return, mixing assets to minimize the risk taken. They considered the potential downside (draw downs) as well as the uncertainty (or expected volatility) as risk measures, and traded them off against expected return. The result allowed WiseBanyan to flexibly set asset allocation at every given level of risk.

Geographic Diversification

This analysis results in a portfolio that is invested in several countries and in more than 100 publicly traded companies across the world. This includes exposure to government debt, corporate bonds, securitized debt, and supranational bonds with a range of creditors and interest rate sensitivities.


WiseBanyan ETF Portfolio
  • Total Stock Market
  • Emerging Market Stock
  • International Developed Stock
  • US Corporate Bond
  • TIPS Bond
  • Short Term Corporate Bond
  • Intermediate Term Govt Bond
  • Short Term Govt Bond
  • REITS
Fees and Expense Ratios

WiseBanyan does not charge any fees.
WiseBanyan does charge an optional fee to implement tax loss harvesting on your portfolio if you request this service.
ETFs have an expense ratio that range from .05%-.2% depending on your allocation - this is about 15 cents for every $100 you invest), which you would pay no matter where or when you purchased these ETFs.

Rest assured, WiseBanyan offers ETFs with some of the lowest fees available.


Accounts and Rollovers

WiseBanyan can open or transfer the following types of accounts:

  • Taxable Investment Accounts
  • Roth IRA
  • SEP IRA
  • Traditional IRA
WiseBanyan is an SEC registered investment and securities advisor with all securities in customer accounts protected up to $500,000 by the SIPC.

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