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Core model portfolios, built on Vanguard allocations.
Core model portfolios are low-cost index portfolios that track Vanguard Core Series allocations. alphaAI matches you to the right one, rebalances it when it drifts, and harvests losses along the way.
SIPC Protected
SEC Registered
Fiduciary
A steady core. Nothing to time.
Broad index model portfolios that don't try to time anything. They hold, they rebalance when they drift, and they harvest losses. That is the whole design.
Broad index ETFs
US stocks, international stocks, US bonds, and international bonds.
Static targets
No signals and no timing. It holds its mix through every market.
Rebalanced on drift
Brought back to target when holdings drift, not on a fixed schedule.
Tax-loss harvesting
Eligible for automated tax-loss harvesting alongside the rest of your account.
Core portfolios, built on published allocations.
Each one tracks a Vanguard Core Series model portfolio, named by its mix of stocks to bonds. You're matched to the one that fits your profile.
Vanguard Core 60/40
Seeks to track the Vanguard Core Series 60/40 model portfolio.
Vanguard Core 80/20
Seeks to track the Vanguard Core Series 80/20 model portfolio.
Vanguard Core 100/0
Seeks to track the Vanguard Core Series 100/0 model portfolio.
Vanguard Group and are subject to change.
Two sleeves, one account.
Core and alphaAI Pro run side by side. One account, one fee. You set the split and can change it any time.
Questions about Core
What is a Core model portfolio?
A Core model portfolio is a low-cost mix of index ETFs covering US stocks, international stocks, US bonds, and international bonds. alphaAI offers three, each tracking a Vanguard Core Series model portfolio: 60/40, 80/20, and 100/0.
How does alphaAI choose my Core portfolio?
alphaAI matches you to the Core portfolio that fits your profile, based on your goals, time horizon, and risk tolerance. You can switch to a different Core portfolio at any time.
What is a 60/40 portfolio?
A 60/40 portfolio holds 60% stocks and 40% bonds. Stocks drive long-term growth, and bonds help soften declines. The 80/20 and 100/0 portfolios follow the same idea with more stocks.
Why do Core portfolios follow Vanguard allocations?
The Vanguard Core Series allocations are published, widely used, and built by a firm with a long record in index investing. alphaAI uses them as published. alphaAI is not affiliated with, sponsored by, or endorsed by The Vanguard Group.
Can't I buy these myself?
Yes, and we'd 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's eligible for tax-loss harvesting, and it sits in the same account as alphaAI Pro.
How often does Core rebalance?
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.
Does Core include tax-loss harvesting?
Yes. Core portfolios are eligible for automated tax-loss harvesting alongside the rest of your account. It sells holdings at a loss to offset taxable gains, then keeps you invested.
Does Core use AI to trade?
No. Core portfolios are static by design. They hold their targets through every market. The strategies that adjust to the market are in alphaAI Pro.
How much does Core cost?
0.50% per year on assets under management, or $4 a month for accounts under $10,000. The ETFs in the portfolio charge their own expense ratios, which are separate from our fee. The minimum to open an account is $1,000.
Can I hold Core and alphaAI Pro together?
Yes. Core and alphaAI Pro run side by side in one account, with one fee. You choose how much goes to each and can change the split at any time.
Where is my money held?
Your money is held in your own account at Alpaca Securities LLC, a registered broker-dealer and member of FINRA and SIPC. The account is in your name.
Can I change or withdraw anytime?
Yes. You can switch portfolios, change your split with alphaAI Pro, or withdraw at any time. There is no lock-in. New deposits have a 7-business-day hold, a standard anti-money-laundering rule at alphaAI's brokerage partner.
Model portfolios,
handled.
$1,000 to start. 0.50% per year. No lock-in, no performance fees.