The boring half of investing, done properly

Broad, low-cost index ETFs covering US stocks, international stocks, US bonds and international bonds. The mix depends on which model portfolio you choose, and the current holdings are visible in your account at any time.

Because they are published, widely used, and built by a firm with a long record in index investing. We use the allocations as published rather than adjusting them, so there is no judgment call of ours sitting inside your core holdings. alphaAI Capital is not affiliated with, sponsored by, or endorsed by The Vanguard Group.

Yes, and we would rather say so than pretend otherwise. These are published model portfolios built from widely available index funds. What you get by holding one here is that it rebalances on its own, it is eligible for tax-loss harvesting, and it sits in the same account as your alphaAI Pro strategies under one fee.

When holdings drift away from their targets, rather than on a fixed schedule. Calendar rebalancing trades when nothing needs trading, which costs money and can create taxable events for no reason.

That depends on your own circumstances, including your time horizon and how much decline you are prepared to sit through. We are not able to tell you which is right for you on a web page. You can change your choice at any time.

Because the alphaAI Pro allocation already gives you a dial for risk. Adding closely spaced model portfolios in between would be a second dial doing the same job, and more options make the decision harder without making the outcome better.

Yes. You set how much of the account goes to each, and you can change the split at any time.

No. They are static by design. If it has a bad year, the explanation is the market, not a decision we made about timing.

0.50% per year on assets under management, or $4 a month for accounts under $10,000. The underlying ETFs have their own expense ratios, which are separate from our fee. Your account is held at Alpaca Securities LLC, a registered broker-dealer and member of FINRA and SIPC.

Yes, any time. There is no lock-in and no performance fee. You can switch portfolios, change the split with Pro, or withdraw.