{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"This sounds complicated. I bet this is complicated, right?","acceptedAnswer":{"@type":"Answer","text":"What we do is complicated. What you do is really, really not. Just answer a few questions, and we’ll build an investment portfolio with your name on it. Then, as soon as your money arrives, we invest it just like we said we would. Bada bing, etc."}},{"@type":"Question","name":"But like, how customized is “customized”?","acceptedAnswer":{"@type":"Answer","text":"<p>Really really customized. We have literally hundreds of funds to choose from that cover everything from clean energy to cannabis to crypto. And that’s just the things that start with the letter C. Explore the complete list of funds <a href=\"https://www.wealthfront.com/explore\">here</a></p>"}},{"@type":"Question","name":"Wait, so I can buy crypto coins in my retirement account?","acceptedAnswer":{"@type":"Answer","text":"<p>Technically, you’re getting “exposure” to crypto through what’s called a crypto trust, not owning the actual coins yourself. The same way some ETFs contain stocks, some trusts contain crypto. Wealthfront offers crypto exposure to Bitcoin and Ethereum through two of these trusts. And, because we consider crypto to be especially risky, we limit your crypto exposure to 10% of your total portfolio. <a href=\"https://blog.wealthfront.com/cryptocurrency-exposure-at-wealthfront/\">Learn more<a/>.</p>"}},{"@type":"Question","name":"I’ve got a 401(k). Can I roll it over? Also, what’s a Rollover?","acceptedAnswer":{"@type":"Answer","text":"Let’s start at the end and work back. A Rollover IRA is the term for taking all the funds in one retirement account and, well, rolling them into a new one. And we’d love for you to bring any and all your retirement accounts to us — you can either keep them separate or combine them all in one."}},{"@type":"Question","name":"I bet this is really expensive.","acceptedAnswer":{"@type":"Answer","text":"<p>That’s not a question, but actually no. The weighted average annual expense ratio of the funds in a Recommended Wealthfront portfolio is between 0.06–0.18%. For comparison, the average expense ratio of target date retirement funds is 0.36%, so we’re actually kind of a bargain. We also charge a 0.25% management fee, though many human investors charge 4x that much.</p>"}},{"@type":"Question","name":"This is amazing! I’m going to put a ton of money in this account.","acceptedAnswer":{"@type":"Answer","text":"<p>Hold your horses, there. Because retirement accounts have certain tax advantages, there are also limits to how much you can contribute in a given year. And, to make it even more complicated, that can be impacted by a number of things, like your annual salary, whether you also have an employer-sponsored plan, and the kind of account you have. You can check the IRS page with details about the limits <a href=\"https://www.irs.gov/newsroom/irs-announces-changes-to-retirement-plans-for-2022\">here</a>, and if you’d like to invest more than the limit, you can always open a taxable Investing Account right <a href=\"https://www.wealthfront.com/start/account-type/goal?intent=investing\">here</a><p>"}}]}