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<path d="M259.966 98.069C259.864 97.9971 259.839 97.856 259.911 97.7538L261.082 96.0879C261.153 95.9857 261.295 95.9611 261.397 96.0329C261.499 96.1048 261.524 96.2459 261.452 96.3481L260.411 97.8289L261.892 98.8696C261.994 98.9415 262.019 99.0826 261.947 99.1848C261.875 99.287 261.734 99.3117 261.632 99.2398L259.966 98.069ZM305.172 53.0719C301.504 72.2998 290.242 83.5617 279.902 90.0121C274.734 93.2365 269.795 95.2593 266.148 96.4763C264.325 97.0848 262.823 97.4921 261.777 97.7473C261.254 97.875 260.844 97.9646 260.565 98.0225C260.426 98.0514 260.319 98.0724 260.246 98.0862C260.21 98.093 260.182 98.0981 260.164 98.1015C260.154 98.1032 260.147 98.1045 260.142 98.1054C260.14 98.1058 260.138 98.1061 260.137 98.1064C260.136 98.1065 260.136 98.1066 260.135 98.1066C260.135 98.1067 260.135 98.1067 260.096 97.8839C260.057 97.661 260.057 97.661 260.057 97.661C260.057 97.6609 260.058 97.6609 260.058 97.6608C260.059 97.6606 260.061 97.6603 260.063 97.6599C260.067 97.6592 260.074 97.658 260.083 97.6564C260.1 97.6532 260.126 97.6483 260.161 97.6417C260.232 97.6283 260.336 97.6078 260.473 97.5794C260.748 97.5226 261.152 97.4341 261.67 97.3078C262.705 97.0551 264.195 96.6512 266.005 96.0471C269.627 94.8386 274.531 92.8296 279.663 89.6282C289.924 83.2271 301.089 72.0619 304.728 52.9871L305.172 53.0719Z" opacity="0" pathlength="1" stroke="#230B59" stroke-dasharray="0px 1px" stroke-dashoffset="0px" stroke-width="0.4">
</path>
</svg>
</div>
</div>
<div class="flex h-[417px] min-h-[600px] w-full flex-col items-center gap-y-8 bg-milk px-4 md:min-h-[576px] md:gap-y-14 md:px-12 lg:px-16 xl:min-h-[590px]">
<div class="relative -mt-10 md:-mt-16">
<div class="relative z-20 h-[122px] w-[341px] rounded-2xl bg-white p-5 sm:w-[525px] md:h-[162px] md:p-9">
<div class="font-sans text-body-sm-xl font-bold">
How inexpensive is automated investing really?
</div>
<div class="mb-3 font-sans text-[32px] font-bold leading-[38.4px] tracking-tight md:text-[39px] md:leading-[46px]">
$15,000
</div>
<div class="h-1.5 w-full rounded-full bg-gradient-to-r from-ambient-orange to-lavender">
<div aria-label="Drag to increase investment amount" aria-valuemax="400" aria-valuemin="0" aria-valuenow="150" class="h-6 w-6 rounded-full border-[1px] border-eggplant border-opacity-20 bg-white shadow-lg" draggable="false" role="slider" style="position:absolute;z-index:0;cursor:grab;user-select:none;touch-action:none;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none" tabindex="0">
</div>
</div>
</div>
<div class="absolute top-[17.1565px] left-[-14.4442px] h-[122px] w-[341px] rounded-2xl bg-[rgba(0,0,0,0.1)] sm:w-[525px] md:h-[162px]">
</div>
</div>
<div class="fees_module_feeAndCostContainer__A6GU8 grid justify-items-center">
<div class="text-center font-serif text-h1-mobile-alt lg:text-[45px] col-start-1" data-testid="fees-or-cost-title">
Annual advisory fee
</div>
<div class="text-center font-serif text-h1-mobile-alt lg:text-[45px] pt-5 md:pt-0 md:col-start-3 row-start-3 md:row-start-auto" data-testid="fees-or-cost-title">
Your monthly cost
</div>
<div class="flex px-1 font-sans text-h1-alt-xl font-bold tracking-tight text-blurple lg:text-[113px] lg:leading-[101.97px] col-start-1 row-start-2" data-testid="fees-or-cost-text">
0.25%
</div>
<div class="flex px-1 font-sans text-h1-alt-xl font-bold tracking-tight text-blurple lg:text-[113px] lg:leading-[101.97px] md:col-start-2 md:row-start-2 hidden md:block" data-testid="fees-or-cost-text">
=
</div>
<div class="flex px-1 font-sans text-h1-alt-xl font-bold tracking-tight text-blurple lg:text-[113px] lg:leading-[101.97px] md:col-start-3 row-start-4 md:row-start-2" data-testid="fees-or-cost-text">
$3.18
</div>
</div>
<div class="relative w-[99%] xl:w-[1112px]">
<div class="relative z-20 flex h-[100px] w-[99%] items-center justify-center rounded-2xl bg-white xl:w-[1112px]">
<div class="table-cell px-7 py-5 text-center font-sans text-[24px] font-semibold leading-[21px] tracking-tighter md:py-10" style="opacity:1;transform:none">
<p>
$3.18? You'd pay more to cut a spare key for your new boo
<span aria-label="hearts" role="img">
💕
</span>
</p>
</div>
</div>
<div class="absolute top-[17.1565px] left-[-14.4442px] h-full w-[99%] rounded-2xl bg-[rgba(0,0,0,0.1)] xl:w-[1112px]">
</div>
</div>
</div>
<div class="flex flex-col items-center space-y-36 px-4 pb-40 pt-12 sm:space-y-14 sm:pt-24 md:px-12 lg:px-16 xl:py-36">
<div class="relative flex flex-col items-center">
<div class="absolute min-w-[1536px]">
<div class="animate-float absolute -top-36 left-[48%] h-[147px] w-[170px] sm:-top-48 sm:left-[70%] sm:h-[191px] sm:w-[220px] xl:-top-60">
<img alt="robot" height="191" loading="lazy" src="assets/next/contenthash/next/pricing/white_bolt_1.contenthash.828f85a09c8cddc6e2aaee8275f8a0c8504898a4.png" width="220"/>
</div>
<div class="animate-float absolute left-[36%] top-[430px] h-[156px] w-[166px] sm:left-[5%] sm:top-36 sm:h-[194px] sm:w-[205px]">
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</div>
<div class="animate-float absolute left-[53%] top-[460px] h-[164px] w-[186px] sm:left-[80%] sm:top-[300px] sm:h-[199px] sm:w-[226px]">
<img alt="robot" class="pricing_invertImage__l0r2G" height="199" loading="lazy" src="assets/next/contenthash/next/pricing/orange_bolt.contenthash.71ac4931bbbe88ce6ea3da09f8579906555c7574.png" width="226"/>
</div>
</div>
<div>
<div class="flex flex-col items-center space-y-6 xl:space-y-[54px]">
<div class="flex space-y-4">
<div class="flex max-w-[260px] flex-col items-center md:min-w-[750px]">
<div class="copy-h1 text-center font-bold text-eggplant">
Hire robots, save money.
</div>
<div class="copy-h1-alt text-center tracking-tighter text-eggplant">
It's that simple.
</div>
</div>
</div>
<div class="filter-shadow w-auto space-y-2 rounded-xl bg-[rgba(255,255,255,0.85)] p-3 pb-5 leading-4 2xl:space-y-4 max-w-[412px] px-6 py-4" data-mask="true" style="transform:translate3d(0, 0, 0)">
<div class="text-indigo flex justify-between text-[12px] 2xl:text-[14px] 3xl:text-[17px]">
<div class="uppercase">
<div class="flex items-center space-x-1">
<img alt="" class="" height="21" loading="eager" src="assets/next/contenthash/next/svg/optimized/notif-app-icon.contenthash.a0055c62e05910f6152abcecfb75d6cc0e39a909.svg" width="21"/>
<span>
Wealthfront
</span>
</div>
</div>
<div>
now
</div>
</div>
<div class="text-[16px] leading-none lg:text-[18px] 2xl:text-[23px]">
We saved you $78.11 on your taxes with Tax-Loss Harvesting.
</div>
</div>
<div class="flex space-y-4 px-3 lg:px-0">
<div class="copy-body relative max-w-[547px] text-center text-eggplant 2xl:max-w-[690px]">
Our robots
<span class="italic">
— that is, our software —
</span>
never stop looking for ways to help you maximize returns and lower your taxes. Our
<a class="z-10 relative font-medium underline text-eggplant" href="/tax-loss-harvesting">
Tax-Loss Harvesting strategy
</a>
can typically cover our annual fee more than 6x over, for Automated Investing clients using the Classic portfolio.
<button aria-label="open Tax-Loss harvesting dialog" class="mb-1 align-middle" type="button">
<svg class="inline-block align-[-0.25em] w-[24px] h-[24px]" data-toolkit-component="Icon" fill="currentColor" role="presentation" viewbox="0 0 24 24">
<path d="M10.748 10.798h.017c.422 0 .765.343.765.765v2.381a1 1 0 01-1 1h-.285a.745.745 0 000 1.49h4.01a.745.745 0 100-1.49H14a1 1 0 01-1-1v-3.642a1 1 0 00-1-1h-1.252a.748.748 0 000 1.496zm.223-2.927a.965.965 0 00.547.507c.132.05.277.073.435.073.325 0 .583-.09.772-.27a.935.935 0 00.29-.705.913.913 0 00-.29-.699c-.19-.185-.447-.277-.772-.277a1.255 1.255 0 00-.435.073 1.029 1.029 0 00-.33.198.934.934 0 00-.29.705c0 .14.024.272.073.395zM21 12a9 9 0 11-18 0 9 9 0 0118 0zm-1.5 0a7.5 7.5 0 10-15 0 7.5 7.5 0 0015 0z">
</path>
</svg>
</button>
</div>
</div>
<div class="flex flex-row md:items-center lg:-mt-4 lg:space-x-8">
<a class="z-10 relative button_button__HOmVR relative items-center justify-center rounded-md transition-all font-medium 2xl:px-6 2xl:py-3.5 px-5 py-3 copy-body button_primaryButton__FEBF9 bg-blurple text-white overflow-hidden inline-flex whitespace-nowrap copy-body" href="/start/account-type?intent=investing">
Start investing
</a>
</div>
</div>
</div>
</div>
<div class="relative flex flex-col items-center">
<div class="absolute h-20 min-w-[1536px]">
<div class="animate-float absolute left-[1%] top-32 hidden h-[251px] w-[282px] sm:block">
<img alt="robot" height="251" loading="lazy" src="assets/next/contenthash/next/pricing/white_bolt_2.contenthash.6165117009be057dd914865286c84a3a6eaaa971.png" width="282"/>
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<div class="animate-float absolute left-[89%] top-80 hidden h-[204px] w-[214px] sm:block">
<img alt="robot" height="204" loading="lazy" src="assets/next/contenthash/next/pricing/gray_bolt.contenthash.893d86834596f6c9b086077f7861e7d652206456.png" width="214"/>
</div>
</div>
<div>
<div class="flex flex-col items-center space-y-6 xl:space-y-[54px]">
<div class="flex space-y-4">
<div class="copy-h1-alt max-w-[319px] text-center tracking-tighter text-eggplant lg:min-w-[840px]">
And not just money.
<br/>
Save your tired eyeballs, too.
</div>
</div>
<div class="filter-shadow w-auto space-y-2 rounded-xl bg-[rgba(255,255,255,0.85)] p-3 pb-5 leading-4 2xl:space-y-4 max-w-[412px] px-6 py-4" data-mask="true" style="transform:translate3d(0, 0, 0)">
<div class="text-indigo flex justify-between text-[12px] 2xl:text-[14px] 3xl:text-[17px]">
<div class="uppercase">
<div class="flex items-center space-x-1">
<img alt="" class="" height="21" loading="eager" src="assets/next/contenthash/next/svg/optimized/notif-app-icon.contenthash.a0055c62e05910f6152abcecfb75d6cc0e39a909.svg" width="21"/>
<span>
Wealthfront
</span>
</div>
</div>
<div>
now
</div>
</div>
<div class="text-[16px] leading-none lg:text-[18px] 2xl:text-[23px]">
We automatically invested your $500 deposit and re-balanced your portfolio.
</div>
</div>
<div class="flex space-y-4 px-3 lg:px-0">
<div class="copy-body max-w-[520px] text-center text-eggplant 2xl:max-w-[650px]">
Time is money. And by letting software make the trades — and rebalancing and reinvesting your portfolio — we’ll unglue you from the time-suck that’s your screen. That frees you to see what you want to see, like how much value we can add to your bottom line.
<span class="italic">
While you do nothing.
</span>
</div>
</div>
<div class="flex flex-row md:items-center lg:-mt-4 lg:space-x-8">
<a class="z-10 relative button_button__HOmVR relative items-center justify-center rounded-md transition-all font-medium 2xl:px-6 2xl:py-3.5 px-5 py-3 copy-body button_primaryButton__FEBF9 bg-blurple text-white overflow-hidden inline-flex whitespace-nowrap copy-body" href="/start/account-type?intent=investing">
Start investing
</a>
</div>
</div>
</div>
</div>
<div class="relative flex flex-col items-center">
<div class="absolute h-20 min-w-[1536px]">
<div class="animate-float absolute -top-52 left-[34.5%] h-[159px] w-[179px] sm:hidden">
<img alt="robot" class="pricing_invertImage__l0r2G" height="159" loading="lazy" src="assets/next/contenthash/next/pricing/white_bolt_2.contenthash.6165117009be057dd914865286c84a3a6eaaa971.png" width="179"/>
</div>
<div class="animate-float absolute -top-40 left-[52.5%] h-[167px] w-[192px] sm:left-[75%] sm:top-32 sm:block sm:h-[250px] sm:w-[287px]">
<img alt="robot" height="250" loading="lazy" src="assets/next/contenthash/next/pricing/white_bolt_1.contenthash.828f85a09c8cddc6e2aaee8275f8a0c8504898a4.png" width="287"/>
</div>
<div class="animate-float absolute left-[5%] top-80 hidden h-[206px] w-[234px] sm:block">
<img alt="robot" height="206" loading="lazy" src="assets/next/contenthash/next/pricing/orange_bolt.contenthash.71ac4931bbbe88ce6ea3da09f8579906555c7574.png" width="234"/>
</div>
</div>
<div class="flex flex-col items-center">
<div class="copy-h1-alt text-center text-eggplant">
Built by our experts.
<br/>
Managed by our software.
</div>
<div class="pt-10">
<div class="mask-fade h-[355px] w-full max-w-[465px] overflow-hidden lg:h-[390px] xl:h-[490px] 2xl:h-[630px]" style="--wf-fade-stop:3%; --wf-fade-start:9%">
<svg class="mx-auto h-auto min-w-[260px] lg:min-h-[550px] xl:min-h-[700px] 2xl:min-h-[900px] 2xl:max-w-full 2xl:pl-4 3xl:min-h-[915px] 3xl:pl-0" data-testid="product-features-animation" fill="none" viewbox="0 0 398 760" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink">
<g clip-path="url(#7a2ddd64b03adfa074b2bac43b4fa324)">
<rect fill="#A0A6CF" height="748.25" rx="28.125" stroke="#A0A6CF" stroke-width="11.25" width="387.25" x="5.375" y="5.375">
</rect>
<g clip-path="url(#f94b317f95733a8e0373b16cf9414759)">
<rect class="fill-current text-space" height="737" rx="22.5" width="376" x="11" y="11">
</rect>
<rect fill="fill-current text-space" height="48" transform="translate(11.5 31)" width="375">
</rect>
<path class="fill-current text-blurple-light" d="M56 56C56.5523 56 57 55.5523 57 55C57 54.4477 56.5523 54 56 54L41.4142 54L45.7071 49.7071C46.0976 49.3166 46.0976 48.6834 45.7071 48.2929C45.3166 47.9024 44.6834 47.9024 44.2929 48.2929L38.2961 54.2896C38.1133 54.4709 38 54.7222 38 55C38 55.2586 38.0982 55.4943 38.2592 55.6718C38.2701 55.6838 38.2814 55.6956 38.2929 55.7071L44.2929 61.7071C44.6834 62.0976 45.3166 62.0976 45.7071 61.7071C46.0976 61.3166 46.0976 60.6834 45.7071 60.2929L41.4142 56L56 56Z">
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<text class="fill-current text-white" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="136" y="62">
Classic Portfolio
</tspan>
</text>
<text class="fill-current text-blurple-light" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="302.748" y="61.555">
Manage
</tspan>
</text>
<text class="fill-current text-white" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="92.5469" y="270.555">
</tspan>
</text>
<text class="fill-current text-white" fill-opacity="0.6" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="96.7402" y="270.555">
all time
</tspan>
</text>
<text class="fill-current text-money-in-light" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="49.5" y="270.555">
</tspan>
</text>
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</path>
<path class="fill-current text-white" clip-rule="evenodd" d="M161.5 260.667C164.446 260.667 166.833 263.054 166.833 266C166.833 268.946 164.446 271.333 161.5 271.333C158.554 271.333 156.167 268.946 156.167 266C156.167 263.054 158.554 260.667 161.5 260.667ZM161.5 260C158.186 260 155.5 262.686 155.5 266C155.5 269.314 158.186 272 161.5 272C164.814 272 167.5 269.314 167.5 266C167.5 262.686 164.814 260 161.5 260Z" fill-opacity="0.6" fill-rule="evenodd">
</path>
<path class="fill-current text-white" d="M162.167 263.333C162.167 262.965 161.868 262.667 161.5 262.667C161.132 262.667 160.833 262.965 160.833 263.333C160.833 263.702 161.132 264 161.5 264C161.868 264 162.167 263.702 162.167 263.333Z" fill-opacity="0.6">
</path>
<path class="fill-current text-white" clip-rule="evenodd" d="M161.5 269.333C161.868 269.333 162.167 269.072 162.167 268.75L162.167 265.25C162.167 264.928 161.868 264.667 161.5 264.667C161.132 264.667 160.833 264.928 160.833 265.25L160.833 268.75C160.833 269.072 161.132 269.333 161.5 269.333Z" fill-opacity="0.6" fill-rule="evenodd">
</path>
<text class="fill-current text-white" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="73.1084" y="299.555">
</tspan>
</text>
<text class="fill-current text-white" fill-opacity="0.6" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="77.3018" y="299.555">
estimated taxes saved
</tspan>
</text>
<text class="fill-current text-money-in-light" font-family="Calibre" font-size="19" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="36.5" y="299.555">
</tspan>
</text>
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</path>
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</path>
<path class="fill-current text-white" clip-rule="evenodd" d="M252.5 298.333C252.868 298.333 253.167 298.072 253.167 297.75L253.167 294.25C253.167 293.928 252.868 293.667 252.5 293.667C252.132 293.667 251.833 293.928 251.833 294.25L251.833 297.75C251.833 298.072 252.132 298.333 252.5 298.333Z" fill-opacity="0.6" fill-rule="evenodd">
</path>
<text class="fill-current text-white" font-family="Calibre" font-size="36" font-weight="bold" letter-spacing="-0.03em" style="white-space:pre" xml:space="preserve">
<tspan x="35.5" y="201.92">
</tspan>
</text>
<text class="fill-current text-white" fill-opacity="0.6" font-family="Calibre" font-size="15" letter-spacing="0em" style="white-space:pre" xml:space="preserve">
<tspan x="49.5" y="231.175">
1.7% today
</tspan>
</text>
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</path>
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We find opportunities to turn market dips into tax savings, to help boost your after-tax returns.
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Automatic rebalancing
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We’ll balance your funds as the market moves to keep you in line with your investment targets.
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<title>
party popper
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<path d="M9.18 41.05a1.52 1.52 0 01-1.476-1.193A1.5 1.5 0 017.77 39l8.75-23.85a1.5 1.5 0 011.91-.89 26.68 26.68 0 0116 15.94 1.56 1.56 0 01-.88 2L9.69 41a1.483 1.483 0 01-.51.05zm9.63-23.4L11.7 37l19.37-7.11a23.79 23.79 0 00-12.26-12.24z">
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<path d="M27.8 34.05a1 1 0 01-.88-.53A28.86 28.86 0 0015.2 21.81a1.02 1.02 0 11.94-1.81 30.91 30.91 0 0112.54 12.58 1 1 0 01-.88 1.47zm-6.51 2.37a1 1 0 01-.83-.44 29.302 29.302 0 00-7.73-7.73.998.998 0 01-.036-1.713 1.001 1.001 0 011.156.063 31.39 31.39 0 018.27 8.26 1 1 0 01-.83 1.56zm3.9-23.03a1 1 0 01-.974-.802 1 1 0 01.144-.748c.1-.15 2.32-3.63-.58-6.52a1.001 1.001 0 111.41-1.42 7.16 7.16 0 01.84 9 1 1 0 01-.84.49zM43.7 25a.999.999 0 01-.55-.16 6.93 6.93 0 00-7.38 0 1.003 1.003 0 11-1.11-1.67c.2-.13 4.85-3.16 9.59 0a1.002 1.002 0 01.28 1.39 1 1 0 01-.83.44zm-4.2 7a1.5 1.5 0 11-.001-3.002A1.5 1.5 0 0139.5 32zm0-2a.47.47 0 00-.35.15.49.49 0 10.7 0 .47.47 0 00-.35-.15zm-23-20a1.5 1.5 0 110-3.002 1.5 1.5 0 010 3.002zm0-2a.47.47 0 00-.35.15.49.49 0 10.7 0A.47.47 0 0016.5 8zm15.89 10.75a1 1 0 01-.82-1.58c.16-.22 4-5.44 9.44-4.65a1.01 1.01 0 01-.28 2c-4.28-.61-7.5 3.79-7.53 3.83a1 1 0 01-.81.4zm-20.64-4.5h-.5v-.5a1 1 0 00-2 0v.5h-.5a1 1 0 000 2h.5v.5a1 1 0 102 0v-.5h.5a1 1 0 100-2zm21.91-5L34 8.9a1.001 1.001 0 00-.325-1.639 1 1 0 00-1.095.22l-.35.359-.35-.36a1 1 0 00-1.639.325A1 1 0 0030.46 8.9l.36.35-.36.35A1.004 1.004 0 1031.9 11l.35-.36.35.36A1 1 0 0034 9.6l-.34-.35z" opacity="0.6">
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Delightfully easy
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Track your progress, see your net worth and link all your accounts in our easy-to-use app.
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<a class="z-10 relative button_button__HOmVR relative items-center justify-center rounded-md transition-all font-medium 2xl:px-6 2xl:py-3.5 px-5 py-3 copy-body button_primaryButton__FEBF9 bg-blurple text-white overflow-hidden inline-flex whitespace-nowrap copy-body -mt-6" href="/start/account-type?intent=investing">
Start investing
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<div class="relative min-h-[304px] min-w-[481px] xl:h-[328px] xl:w-[521px]">
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<source srcset="/next/contenthash/next/pricing/accent_window.contenthash.02b4e559b2a9ecba580557f43d97e752d4cfe731.webp 1x, /next/contenthash/next/pricing/accent_window@2x.contenthash.990e6d5a40da9ded52dcb03810331743880f59ac.webp 2x" type="image/webp"/>
<img alt="" class="h-full w-full" height="328" loading="lazy" src="assets/next/contenthash/next/pricing/accent_window.contenthash.a2829cd05d7b359e580b2296283e9d807127a2b3.png" width="521"/>
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<div class="copy-h1-alt max-w-[280px] text-center font-sans font-bold tracking-tighter text-cream xs:max-w-[550px] xl:max-w-[809px] 2xl:max-w-[1000px]">
Save on taxes and watch the fee disappear.*
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<div class="flex items-center font-sans text-[100px] font-bold leading-[90px] tracking-tight text-cream 2xl:text-[150px] 2xl:leading-[135px]" data-testid="boost-percent">
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Savings from Tax-Loss Harvesting covers our fee by this much, on average
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Classic portfolio clients whose fees were covered by potential tax savings
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