Portfolio diversification is the practice of spreading investments around so that exposure to any one type of asset is limited. Personalized portfolios refer to the creation of a portfolio that is tailored to a client’s investor profile, preferences, and goals. Tax loss harvesting is the timely selling of securities at a loss to offset the amount of capital gains tax owed from selling profitable assets. An individual taxpayer can write off up to $3,000 in net losses annually. Tax loss harvesting does not apply to short-term trades subject to the wash sale loss rule. At alphaAI, tax loss harvesting is done where applicable; however, the majority of trades made in client accounts are subject to the wash sale loss rule and do not qualify for tax loss harvesting. In these cases, losses, if any, are used to offset the cost basis, resulting in a lower amount of capital gain, if any. Dynamic portfolio adjustments are defined as actions taken to optimally position a client portfolio for changing market conditions based on their investor profile and risk tolerance. Automated risk management is defined as the automatic adjustment of client portfolio risk levels (such as net exposure, beta, and R2) in response to market conditions. Responsive downside protection is defined as actions taken in response to market conditions to protect clients from losses. Dynamic asset allocation is defined as active portfolio rebalancing to maximize gains and minimize losses in response to market conditions. Automated portfolio hedging is defined as the management of net exposure and long/short positions to hedge portfolios against potential market drawdowns.
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Testimonials are from alphaAI clients. Clients were not paid for their testimonials. Each testimonial reflects the individual experience of the clients depicted. They are not intended to represent any other client’s experience. The client testimonials represent their opinions at the time given. Logos represent companies that alphaAI clients work at. Logos should not be construed as these companies' endorsement or partnership of alphaAI. The content provided should not be construed as investment or financial advice, tax or legal advice, an offer, solicitation of an offer, or advice to buy or sell securities or other products offered by alphaAI or any third party. All investments involve risk.

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alphaAI vs. Wealthfront: Choosing the Right Roboadvisor


Roboadvisor Face-off

alphaAI
Wealthfront
Portfolio Diversification
Portfolio diversification is the practice of spreading investments around so that exposure to any one type of asset is limited.
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Personalized Portfolios
Personalized portfolios refer to the creation of a portfolio that is tailored to a client’s investor profile, preferences, and goals.
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Automated Rebalancing
Technology-driven process to realign the proportions of assets in a portfolio as per desired allocation.
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Tax Loss Harvesting
Tax loss harvesting is the timely selling of securities at a loss to offset the amount of capital gains tax owed from selling profitable assets.
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Dynamic Portfolio Adjustments
Dynamic portfolio adjustments are defined as actions taken to optimally position a client portfolio for changing market conditions based on their investor profile and risk tolerance.
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Responsive Downside Protection
Responsive downside protection is defined as actions taken in response to market conditions to protect clients from losses.
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Automated Risk Management
Automated risk management is defined as the automatic adjustment of client portfolio risk levels (such as net exposure, beta, and R2) in response to market conditions.
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Dynamic Asset Allocation
Dynamic asset allocation is defined as active portfolio rebalancing to maximize gains and minimize losses in response to market conditions.
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Automated Portfolio Hedging
Automated portfolio hedging is defined as the management of net exposure and long/short positions to hedge portfolios against potential market drawdowns.
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2022 Alpha Generated
Alpha is a way to measure how well an investment strategy performed relative to its benchmark. Positive values indicate that the strategy provided a positive value-add to the investor. Negative values indicate the investor would have been better off not using that strategy.
1.60%-1.40%-1.40%
2023 Alpha Generated
Tax loss harvesting is the timely selling of securities at a loss to offset the amount of capital gains tax owed from selling profitable assets.
21.40%-3.90%-3.10%
Pricing0.25%0.25%

alphaAI is the best choice to both grow & protect your assets.

alphaAI is a relatively new roboadvisor created by Richard Sun, an ex-Wall Street analyst with a knack for math and machine learning. Roboadvisors are great, but they lacked that "Wall St edge." Unlike other roboadvisors, we are heavily focused on automated and responsive risk management. The key word being, responsive.

Passive roboadvisors like Wealthfront do not manage your assets dynamically, leaving your portfolio at the mercy of the markets. At alphaAI, we are focused on making sure our strategies are constantly learning and adapting to market conditions.

+10,000
alphaAI's machine learning algorithms analyze the data of over ten thousand global stock and other data points to understand what currently affects the market to respond and leverage from it.
3%
The average alpha of alphaAI's customers is 3%. That means that the strategies implemented exceeded expectations by that much. A holy grail for seasoned investors.
How much did each roboadvisor beat the S&P 500 by?

How do these roboadvisors stand against the S&P 500?

We stand by our strategies and philosophy.
The time of buy-and-hold strategies is over and we are now in a new era of responsive investment.

-1.4%
+1.6%

Alpha generated (net of fees) in 2023

Alpha is a way to measure how well an investment strategy performed relative to its benchmark. Positive values indicate that the strategy provided a positive value-add to the investor. Negative values indicate the investor would have been better off not using that strategy.

Alpha generated (net of fees) in 2023

Alpha is a way to measure how well an investment strategy performed relative to its benchmark. Positive values indicate that the strategy provided a positive value-add to the investor. Negative values indicate the investor would have been better off not using that strategy.
-3.1%
+21.4%

Saving money was made easier by machine learning & AI.

Investing is not just about profiting, it is about saving for the future. Placing money in the bank puts a lot of stress on your financial growth. With alphaAI you get access to an AI-powered roboadvisor that allocates your money for optimal savings, saving you from the claws of inflation.

A roboadvisor able to guard assets from the unexpected.

No one can control the market, and downturns are to be expected. In these times, your money should be diversified in a proper investment portfolio and managed by strategies that can offer you that protection.

AI can reap higher than expected returns in the right market conditions.

There's an effort that goes into putting money away for investing. At alphaAI we believe people should be rewarded for it. Our machine learning algorithms allow our roboadvisor platform to make the best of market uptrends. This increases your chances to reap more benefits when the conditions are right versus with traditional roboadvisors.

"I used to manage my portfolio on my own, but it was very frustrating. I didn’t know what I was doing and didn’t have time to keep up with the markets either. With alphaAI, I don’t have to spend any time managing my investments. Yet when I check back, I’m ahead of the S&P 500."

S.S.

Client since Nov 2021

4.8
Average investor satisfaction rating

Our clients work at top companies like:

Frequently Asked Questions

Find answers to common questions about alphaAI.

How do we use AI?

We use AI to automate the entire investment process, from beginning to end.

At the heart of our proprietary AI system is a set of predictive machine learning models. Our models have been trained on multiple decades of data encompassing more than 10,000 global stocks. On average, each model is trained on more than 10 billion data points. Each model is trained to perform a unique predictive capability, and multiple models work together to make trading decisions. 

Our portfolio management system uses a rules-based approach to decide what to do with the predictions that our models generate. This includes making trades and managing risk according to your unique investor profile. This system also includes numerous failsafe protocols to ensure that all actions taken are within strictly defined parameters.

Read more about our technology.

Is it safe to let AI handle my money?

Yes, absolutely! There is a 0% chance that our AI technology will take unexpected actions – let us explain why. 

At its core, AI is simply machine learning (ML). ML is a branch of mathematics focused on the development of models that can learn patterns from data. 

We use a variety of predictive machine learning models combined with a rules-based approach to make trades and manage risk according to your unique investor profile. Our systems include numerous failsafe protocols to ensure that all actions taken are within strictly defined parameters.

Hopefully, you now have a better understanding of what AI is and how we use it. So don't worry – AI doesn’t have sentience, and there is no chance of it going off and making its own decisions. AI is another word for machine learning, and machine learning simply consists of a collection of predictive methods and models that can learn patterns from data.

Read more about our technology.

Are there any hidden fees? What’s the actual price?

Either 0.25% annually or $1 per month. We do not charge any account opening fees, minimum account fees, withdrawal or account closing fees, trading/commission fees, or account transfer fees!

If your account balance is below $5,000, then you will be charged $1 per month. If your account balance is equal to or above $5,000, then you will be charged an annual fee of 0.25% (which equates to about 0.02% per month).

At alphaAI, our mission is to make sophisticated investment strategies accessible to everyone! We pride ourselves in our affordable and transparent pricing.

Learn more about our pricing.

What is the minimum account size?

There are technically no account minimums because we want to make our tech available to everyone. However, please be aware that if your account value is too low, you might not be able to invest in the markets. This is because the ETFs that we invest in cost several hundred dollars - for example, VGT, Vanguard's Technology ETF costs around $500. For this reason, we recommend starting with at least $5,000, if you can afford it. We've found that the most optimal returns are achieved with a portfolio of $100,000 or higher.

Is alphaAI a roboadvisor?

Yes, we are a roboadvisor, or, as we like to say, an automated investment platform. Simply put, a roboadvisor is an online platform that manages your investments automatically while helping you reach your financial goals.

How is alphaAI different from other roboadvisors?

We do more but charge less!

Unlike other major roboadvisors, such as Wealthfront and Betterment, we are one of the only ones that adjust portfolio risk levels in response to market conditions. Most other roboadvisors use a passive investment approach. This means that your portfolio is fixed, regardless of what happens in the market. So when the market declines, so does the value of your portfolio – ouch!

At alphaAI, we use responsive investment strategies to manage your risk. This means that when the markets are volatile or uncertain, we automatically reduce your risk to help minimize losses. On the flip side, when market conditions are ideal, we adjust your portfolio accordingly to help you capture the upside. And we do all this while charging the same, low fee of 0.25% a year that most other roboadvisors charge. 

Read more about the alphaAI difference.

Do other roboadvisors use AI?

The short answer is no.

At alphaAI, we use predictive machine learning models to make trading decisions and manage risk in response to market conditions. In this sense, other major roboadvisors, such as Wealthfront and Betterment, are not doing this. 

Read more about our technology.

How hands-on or off is alphaAI?

alphaAI is completely hands-off – set it and forget it!

All you have to do is set your investor profile and choose one of our expert-built strategies. After that, we take care of everything for you. We automatically make trades and manage your portfolio’s risk in response to market conditions. Our leading-edge AI system stays on top of the market so you don’t have to. Rest easy knowing that regardless of what the market does, we are responding in the best way for you and your financial goals. 

Read more about how the alphaAI process works.

What assets can I invest in through alphaAI?

At this time, our strategies are optimized for ETFs. We will be adding additional asset classes in the future.

Still have questions?

Contact us for more information or assistance.

Reduced fees and more.

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Why settle for traditional when you can have transformational? With alphaAI, you're not just joining an investment platform; you're embracing the future of finance. Let's redefine your financial journey together.