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Meet the Automated Bond Ladder
</p>
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4.17%
-
4.34%
</p>
<p class="text-[12px] leading-[14px] 2xl:text-[15px] 2xl:leading-[15px] italic text-white/[.8] shrink">
Range of current yields on Treasuries in our
<br/>
3-month ladder, after our
0.15%
advisory fee.
</p>
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4.17%
-
4.34%
</p>
<p class="text-[12px] leading-[14px] 2xl:text-[15px] 2xl:leading-[15px] italic text-white/[.8] shrink">
Range of current yields on Treasuries in our
<br/>
3-month ladder, after our
0.15%
advisory fee.
</p>
</div>
</div>
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No advisory fee for
3 months
on your first
</p>
<p>
Automated Bond Ladder!
<a class="z-10 relative font-medium underline text-eggplant !text-white" href="https://support.wealthfront.com/hc/en-us/articles/23265024478484-Automated-Bond-Ladders#fee_waiver_terms" rel="noopener noreferrer" target="_blank">
Terms apply.
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<h1 class="copy-h1-alt sm:text-[50px] xl:text-[76px]">
Earn more on your extra cash with
<span class="italic">
zero state taxes
</span>
.
</h1>
<p class="xl:max-w-[500px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
A ladder of US Treasuries can help you earn more — and keep more — than
<a class="z-10 relative font-medium underline text-eggplant" href="#" role="button">
most savings accounts and some CDs
</a>
. Since Treasuries are exempt from state and local income taxes, you can take home more interest on money you may be saving for future expenses. Just choose how long you want to invest, when you want your funds back — and we’ll handle the rest.
</p>
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<div class="z-10 relative bg-[#FFFBF5] py-8 md:py-4 -mx-4 sm:-mx-12 mt-[-160px] md:mt-[-120px] lg:mt-0 xl:mt-[-270px] xl:max-w-[50%] xl:pb-12 border-t border-t-content-divider xl:border-t-0">
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<div class="text-sm opacity-60 sm:hidden text-eggplant grid auto-cols-auto grid-flow-col grid-rows-[auto,auto] items-center gap-x-6 gap-y-2 2xl:gap-x-10">
<div class="text-h2-mobile font-semibold" data-testid="accolades-num-clients">
1M+
</div>
<span class="self-start" data-testid="accolades-subtitle">
Trusted clients
</span>
<div class="text-h2-mobile font-semibold" data-testid="accolades-aum-in-billions">
$
85
B+
</div>
<span class="self-start" data-testid="accolades-subtitle">
In total assets
</span>
</div>
<div class="text-sm opacity-60 hidden sm:grid text-eggplant grid auto-cols-auto grid-flow-col grid-rows-[auto,auto] items-center gap-x-6 gap-y-2 2xl:gap-x-10">
<div class="text-h2-mobile font-semibold" data-testid="accolades-num-clients">
1M+
</div>
<span class="self-start" data-testid="accolades-subtitle">
Trusted clients
</span>
<div class="text-h2-mobile font-semibold" data-testid="accolades-aum-in-billions">
$
85
B+
</div>
<span class="self-start" data-testid="accolades-subtitle">
In total assets
</span>
<div class="text-h2-mobile font-semibold">
<div class="inline-flex items-baseline space-x-2">
<span>
4.8
</span>
<svg class="h-[22px] w-[22px]" fill="#230B59" viewbox="0 0 21 21" xmlns="http://www.w3.org/2000/svg">
<path d="M9.94 1.342c.239-.737 1.282-.737 1.521 0l1.866 5.742a.8.8 0 0 0 .76.553h6.04c.774 0 1.097.992.47 1.448l-4.886 3.549a.8.8 0 0 0-.29.894l1.866 5.743c.24.737-.604 1.35-1.231.895l-4.886-3.55a.8.8 0 0 0-.94 0l-4.885 3.55c-.627.455-1.47-.158-1.231-.895l1.866-5.743a.8.8 0 0 0-.29-.894L.803 9.084c-.627-.455-.305-1.447.47-1.447h6.039a.8.8 0 0 0 .76-.552L9.94 1.341z" fill="#230B59">
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</svg>
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</div>
<span class="self-start" data-testid="accolades-subtitle">
Apple App
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Store
<sup>
1
</sup>
</span>
</span>
<div class="text-h2-mobile font-semibold">
<div class="inline-flex items-baseline space-x-2">
<span>
4.9
</span>
<svg class="h-[22px] w-[22px]" fill="#230B59" viewbox="0 0 21 21" xmlns="http://www.w3.org/2000/svg">
<path d="M9.94 1.342c.239-.737 1.282-.737 1.521 0l1.866 5.742a.8.8 0 0 0 .76.553h6.04c.774 0 1.097.992.47 1.448l-4.886 3.549a.8.8 0 0 0-.29.894l1.866 5.743c.24.737-.604 1.35-1.231.895l-4.886-3.55a.8.8 0 0 0-.94 0l-4.885 3.55c-.627.455-1.47-.158-1.231-.895l1.866-5.743a.8.8 0 0 0-.29-.894L.803 9.084c-.627-.455-.305-1.447.47-1.447h6.039a.8.8 0 0 0 .76-.552L9.94 1.341z" fill="#230B59">
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Google Play
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Store
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</div>
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<div class="bg-gradient-to-br from-blurple to-caracara from-40% py-10 xl:py-20 z-10 relative">
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16" data-testid="marketing-section" id="tax-equivalent-yield">
<div class="relative max-w-[1100px] mx-auto">
<section class="flex flex-col relative items-center" data-testid="tax-equivalent-yield-section" data-theme="sunset-pebble-eggplant-white-eggplant-light">
<div class="text-left sm:text-center max-w-[343px] sm:max-w-[600px] 2xl:max-w-[840px]">
<h2 class="copy-h2 text-[42px] 2xl:text-[60px] text-white">
Curious what $0 in state income taxes could mean for you?
</h2>
<h2 class="copy-h2-alt text-[42px] mb-8 2xl:text-[60px] italic text-white">
You’d have to earn...
</h2>
</div>
<div class="bg-white py-6 px-4 rounded-small mb-8 shadow-xl w-full sm:w-[400px] lg:w-[640px]" data-theme="sunrise-space-white-blurple-white-light">
<div class="bg-gradient-to-br rounded-small from-blurple to-caracara from-30% p-4 lg:py-8">
<div class="flex items-center flex-col lg:flex-row gap-2">
<div class="flex-1">
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0.00%
</p>
<p class="text-white text-lg lg:text-xl font-bold lg:text-center">
in fully taxed interest
<button aria-label="open fully taxed interest 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>
</p>
</div>
<p class="text-white text-xl font-serif font-light italic lg:font-sans lg:font-bold lg:not-italic">
to match
</p>
<div class="flex-1">
<p class="bg-transparent mb-1 lg:mb-3 text-white/[.1] border-b-2 border-white text-center font-bold text-[64px] lg:text-[84px] leading-none tracking-tight" data-testid="default-yield">
0.00%
</p>
<p class="text-white text-lg lg:text-xl font-bold lg:text-center">
in Treasury interest
<button aria-label="open treasury interest 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>
</p>
</div>
</div>
</div>
<div class="mt-8 mb-3 flex justify-between">
<div class="m-0 text-standard leading-standard font-tk-semibold text-tk-content-primary whitespace-normal" data-toolkit-component="Text">
Choose ladder duration
</div>
<div class="m-0 text-standard leading-standard font-tk-normal text-tk-content-primary whitespace-normal" data-toolkit-component="Text">
3 months
</div>
</div>
<div class="h-1.5 w-full rounded-full bg-gradient-to-r from-ambient-orange to-lavender bg-blurple" style="background:linear-gradient(to right, #4840bb 0%, #4840bb 0%, #ccc 0%, #ccc 100%);align-self:center">
<div aria-label="Choose ladder duration" aria-valuemax="72" aria-valuemin="3" aria-valuenow="3" class="h-6 w-6 rounded-full border-[1px] border-eggplant border-opacity-20 bg-white shadow-lg !bg-blurple" 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 class="mt-8 sm:grid sm:grid-cols-2 lg:grid-cols-3 gap-2">
<div class="w-full sm:col-span-1">
<p class="body-sm-xl lg:ml-xsmall mb-xxxsmall lg:mb-xsmall font-semibold text-left">
State of residence
</p>
<div class="w-full relative cursor-pointer" data-testid="select-listbox" data-toolkit-component="Select-Listbox">
<div class="w-full" data-testid="select-textfield-container" data-toolkit-component="TextField">
<div class="tk-text-field-input-group w-full flex bg-surface rounded-standard overflow-hidden">
<div class="relative flex-[1_1_0] text-[0px] overflow-hidden">
<label class="tk-text-field-label absolute top-medium right-medium left-medium text-standard leading-standard text-content-secondary origin-top-left cursor-text transition-[top,transform] duration-100 ease-fast-start-standard-end selection:bg-transparent pointer-events-none" for="state-select">
Select state
</label>
<input aria-controls="downshift-0-menu" aria-expanded="false" aria-invalid="false" class="w-full pt-large px-medium pb-xsmall text-standard leading-standard text-content-primary bg-transparent border-0 outline-none tk-text-field-input caret-content-interactive-default" data-testid="select-textfield" id="state-select" role="combobox" type="button" value=""/>
</div>
<span class="flex-[0_0_auto] flex items-center justify-center py-small pr-small pl-0">
<svg class="inline-block h-[1.2em] align-[-0.25em]" data-testid="select-trailing-icon-closed" data-toolkit-component="Icon" fill="currentColor" role="presentation" viewbox="0 0 24 24">
<path d="M6.72 9.47a.75.75 0 011.06 0l3.763 3.762a1 1 0 001.414 0L16.72 9.47a.75.75 0 011.06 1.06l-5 5a.75.75 0 01-1.06 0l-5-5a.75.75 0 010-1.06z">
</path>
</svg>
</span>
</div>
</div>
<div aria-labelledby="downshift-0-label" id="downshift-0-menu" role="listbox" style="position:block;width:100%;height:100%;top:0;pointer-events:none">
</div>
</div>
</div>
<div class="w-full sm:col-span-1">
<p class="body-sm-xl lg:ml-xsmall mb-xxxsmall lg:mb-xsmall font-semibold">
Annual income
</p>
<div class="flex items-center gap-2 py-small px-medium rounded-standard border border-solid border-content-divider bg-surface h-[56px]">
<button aria-atomic="true" aria-label="minus annual income" aria-live="assertive" class="group/tk-button border-0 cursor-pointer font-tk-semibold relative focus:outline-none focus:group-[.using-mouse]/body:ring-transparent focus:group-[.using-mouse]/body:ring-offset-0 disabled:cursor-not-allowed text-content-interactive-ambient bg-transparent transition-[color] ease-fast-start-standard-end hover:text-content-interactive-ambient-hover active:text-content-interactive-ambient-active focus:text-content-interactive-ambient disabled:text-content-disabled text-small leading-small inline-block p-0 inline-flex items-center justify-center focus:ring-2 focus:ring-offset-2 focus:ring-content-interactive-default" data-testid="minus-annual-income" data-toolkit-component="Button" type="button">
<svg class="inline-block h-[1.2em] align-[-0.25em]" data-testid="button-icon" data-toolkit-component="Icon" fill="currentColor" role="presentation" viewbox="0 0 24 24">
<path d="M20 12a.75.75 0 01-.75.75H4.75a.75.75 0 110-1.5h14.5A.75.75 0 0120 12z">
</path>
</svg>
</button>
<p class="flex-1 text-center grow">
$150,000
</p>
<button aria-atomic="true" aria-label="plus annual income" aria-live="assertive" class="group/tk-button border-0 cursor-pointer font-tk-semibold relative focus:outline-none focus:group-[.using-mouse]/body:ring-transparent focus:group-[.using-mouse]/body:ring-offset-0 disabled:cursor-not-allowed text-content-interactive-ambient bg-transparent transition-[color] ease-fast-start-standard-end hover:text-content-interactive-ambient-hover active:text-content-interactive-ambient-active focus:text-content-interactive-ambient disabled:text-content-disabled text-small leading-small inline-block p-0 inline-flex items-center justify-center focus:ring-2 focus:ring-offset-2 focus:ring-content-interactive-default" data-testid="plus-annual-income" data-toolkit-component="Button" type="button">
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<path d="M10.25 12.75h-5.5a.75.75 0 110-1.5h5.5a1 1 0 001-1v-5.5a.75.75 0 111.5 0v5.5a1 1 0 001 1h5.5a.75.75 0 110 1.5h-5.5a1 1 0 00-1 1v5.5a.75.75 0 11-1.5 0v-5.5a1 1 0 00-1-1z">
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</svg>
</button>
</div>
</div>
<div class="w-full sm:col-span-2 lg:col-span-1">
<p class="body-sm-xl lg:ml-xsmall mb-xxxsmall lg:mb-xsmall font-semibold">
Filing status
</p>
<div class="w-full relative cursor-pointer" data-testid="select-listbox" data-toolkit-component="Select-Listbox">
<div class="w-full" data-testid="select-textfield-container" data-toolkit-component="TextField">
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<div class="relative flex-[1_1_0] text-[0px] overflow-hidden">
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Select status
</label>
<input aria-controls="downshift-1-menu" aria-expanded="false" aria-invalid="false" class="w-full pt-large px-medium pb-xsmall text-standard leading-standard text-content-primary bg-transparent border-0 outline-none tk-text-field-input caret-content-interactive-default" data-testid="select-textfield" id="id-679af083-c431-4b98-8b4b-4f8cb4d4bc14" role="combobox" type="button" value=""/>
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<svg class="inline-block h-[1.2em] align-[-0.25em]" data-testid="select-trailing-icon-closed" data-toolkit-component="Icon" fill="currentColor" role="presentation" viewbox="0 0 24 24">
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</path>
</svg>
</span>
</div>
</div>
<div aria-labelledby="downshift-1-label" id="downshift-1-menu" role="listbox" style="position:block;width:100%;height:100%;top:0;pointer-events:none">
</div>
</div>
</div>
</div>
<button aria-atomic="true" aria-live="assertive" class="group/tk-button border-0 cursor-pointer font-tk-semibold relative focus:outline-none focus:group-[.using-mouse]/body:ring-transparent focus:group-[.using-mouse]/body:ring-offset-0 disabled:cursor-not-allowed text-standard leading-standard inline-block text-center rounded-standard py-small px-large transition-[background-color,color,transform,box-shadow] duration-75 ease-fast-start-standard-end active:scale-[.97] focus:ring-2 focus:ring-offset-2 disabled:text-content-disabled disabled:bg-surface-disabled disabled:transform-none block w-full text-content-interactive-primary bg-surface-interactive-primary inline-flex items-center justify-center hover:text-content-interactive-primary-hover hover:bg-surface-interactive-primary-hover active:text-content-interactive-primary-active active:bg-surface-interactive-primary-active focus:text-content-interactive-primary focus:ring-content-interactive-default mt-6 uppercase" data-toolkit-component="Button" disabled="" type="button">
show me
</button>
</div>
<div class="bg-surface-interactive-default rounded-small text-white w-full min-h-[200px] flex flex-col justify-center items-center lg:max-w-[640px] p-6">
<div>
<div class="text-center">
<p class="text-[20px] font-semibold">
Wait, what’s “fully taxed interest?”
</p>
<div class="w-full lg:w-[510px] mt-2 m-auto">
<p class="!text-white text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
By “fully taxed interest” we mean interest that’s taxable at both the state and federal levels. Interest from savings accounts, CDs, and corporate bonds are taxed as ordinary income — all federal and state taxes apply. Treasuries, on the other hand, are exempt from state income taxes.
</p>
</div>
</div>
</div>
</div>
<div class="my-4">
<button aria-atomic="true" aria-live="assertive" class="group/tk-button border-0 cursor-pointer font-tk-semibold relative focus:outline-none focus:group-[.using-mouse]/body:ring-transparent focus:group-[.using-mouse]/body:ring-offset-0 disabled:cursor-not-allowed text-content-interactive-ambient bg-transparent transition-[color] ease-fast-start-standard-end hover:text-content-interactive-ambient-hover active:text-content-interactive-ambient-active focus:text-content-interactive-ambient disabled:text-content-disabled text-small leading-small inline-block p-0 inline-flex items-center justify-center focus:ring-2 focus:ring-offset-2 focus:ring-content-interactive-default underline" data-toolkit-component="Button" type="button">
See disclosures and assumptions
</button>
</div>
</section>
<p class="max-w-[1050px] text-center text-white/[.5] text-[14px] leading-[16px]" data-mask="true">
<span class="font-bold">
This interactive analysis tool presents hypothetical outcomes intended for informational purposes only.
</span>
Average yield estimates assume each ladder rung holds equal weights and all Treasuries are held to maturity. Tax equivalent yield is calculated using federal and state marginal income tax rates based on user inputs. Both figures are net of a
0.15%
annual advisory fee. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our
<a class="z-10 relative font-medium underline text-eggplant !text-white/[.5]" href="/legal/disclosure" rel="noopener noreferrer" target="_blank">
Full Disclosure
</a>
for important details.
</p>
<div class="hidden xl:block absolute top-[-11%] xl:left-[-10%] 2xl:left-[-20%]">
<picture>
<source srcset="/next/contenthash/next/automated_bond_ladder/pezident.contenthash.646995ae93de36ec5a65f24cadd827d30341b9f9.webp 1x" type="image/webp"/>
<img alt="" class="lg:w-[379px] xl:w-[379px]" height="341" loading="eager" src="assets/next/contenthash/next/automated_bond_ladder/pezident.contenthash.be70de3123ed870f1981016ff95c4f2614d84630.png" width="379"/>
</picture>
</div>
</div>
</div>
</div>
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16 text-eggplant" data-testid="marketing-section">
<section class="my-10 xl:my-20" data-testid="meet-abl">
<h2 class="copy-h2 text-[42px] xl:text-[62px] mb-5 text-center sm:text-left lg:text-center">
Meet the Automated Bond Ladder.
</h2>
<p class="max-w-[700px] lg:mx-auto text-center sm:text-left lg:text-center text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
A bond ladder — a portfolio of bonds that mature at different times — locks in current yields while keeping your funds flexible. Whether you’re saving for an important expense or waiting to invest in the stock market, the Automated Bond Ladder offers a steady yield on your extra cash — without limiting access to your funds.
</p>
<div class="my-5 grid grid-cols-1 lg:grid-cols-3 gap-10 relative mb-0">
<div class="z-20">
<section class="text-left max-w-[380px] lg:mx-auto">
<div class="sm:flex gap-4 sm:items-center lg:block">
<svg class="w-[48px] h-[48px] xl:w-[62px] xl:h-[62px]" fill="none" height="62" viewbox="0 0 62 62" width="62" xmlns="http://www.w3.org/2000/svg">
<g clip-path="url(#clip0_1_92102)">
<circle cx="31" cy="31" fill="#EDECF8" r="31">
</circle>
<rect fill="white" fill-opacity="0.01" height="42" transform="translate(10 10)" width="42">
</rect>
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<rect fill="white" height="62" width="62">
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</clippath>
</defs>
</svg>
<h3 class="copy-h2 text-[32px] xl:text-[42px] my-3">
Locked-in rates
</h3>
</div>
<p class="leading-[22px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
The Automated Bond Ladder is designed to weather changing interest rates by spreading your investment across US Treasuries with different maturities. Locking in rates can mean securing current yields for months or years to come depending on your goals.
</p>
</section>
</div>
<div class="z-20">
<section class="text-left max-w-[380px] lg:mx-auto">
<div class="sm:flex gap-4 sm:items-center lg:block">
<svg class="w-[48px] h-[48px] xl:w-[62px] xl:h-[62px]" fill="none" height="62" viewbox="0 0 62 62" width="62" xmlns="http://www.w3.org/2000/svg">
<g clip-path="url(#clip0_1_92109)">
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<h3 class="copy-h2 text-[32px] xl:text-[42px] my-3">
Very low risk
</h3>
</div>
<p class="leading-[22px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
US Treasuries are backed by the full faith and credit of the US Government, which means there’s very little risk of default.
</p>
</section>
</div>
<div class="z-20">
<section class="text-left max-w-[380px] lg:mx-auto">
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fill="#230B59" fill-rule="evenodd">
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</svg>
<h3 class="copy-h2 text-[32px] xl:text-[42px] my-3">
Easy access to funds
</h3>
</div>
<p class="leading-[22px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
Access your funds with no penalties and no hassles. Choose to automatically withdraw monthly interest and principal, set a target withdrawal date, or keep reinvesting into new Treasuries.
</p>
</section>
</div>
</div>
</section>
</div>
<div class="h-[1px] bg-content-divider w-full">
</div>
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16 text-eggplant" data-testid="marketing-section">
<div class="xl:flex xl:justify-between xl:items-center my-10 xl:my-[120px]" data-testid="keep-savings-up">
<div class="2xl:max-w-[520px]">
<h2 class="mb-5">
<span class="copy-h2 text-[42px] xl:text-[60px]">
Keep your savings up.
</span>
<span class="copy-h2-alt text-[42px] xl:text-[60px] italic sm:block">
Even if interest rates drop.
</span>
</h2>
<p class="mb-5 lg:max-w-[450px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
Although the federal funds rate is expected to decline* regularly over the next two years, you can still lock in current rates by investing in a ladder of Treasuries today. By holding multiple Treasuries of different maturities, you’ll earn a steady yield for your chosen duration.
</p>
<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 bg-[#44407C] mb-1" href="/permalink/bond-ladder-introduction?to=faq&from=landing">
Get started
</a>
<a class="group/tk-button border-0 cursor-pointer font-tk-semibold relative focus:outline-none focus:group-[.using-mouse]/body:ring-transparent focus:group-[.using-mouse]/body:ring-offset-0 disabled:cursor-not-allowed text-content-interactive-ambient bg-transparent transition-[color] ease-fast-start-standard-end hover:text-content-interactive-ambient-hover active:text-content-interactive-ambient-active focus:text-content-interactive-ambient disabled:text-content-disabled text-inherit leading-inherit inline p-0 focus:underline disabled:no-underline" data-toolkit-component="Button" href="https://www.federalreserve.gov/newsevents/speech/powell20240403a.htm" rel="noreferrer noopener" target="_blank">
<div class="m-0 text-xsmall leading-xsmall font-tk-normal text-content-secondary whitespace-normal" data-toolkit-component="Text">
<sup>
*
</sup>
See remarks from the Federal Reserve
</div>
</a>
</div>
<div class="2xl:pr-36 mt-5 lg:mt-0">
<img alt="keep savings up" class="sm:hidden" height="302" loading="lazy" src="assets/next/contenthash/next/svg/optimized/keep-savings-up-chart.contenthash.c0413f1d7498fa5ca30fcc95c867d6bbd84f58d5.svg" width="350"/>
<div class="max-w-[350px] -mt-6 h-[1px] bg-content-divider w-full sm:hidden mb-6">
</div>
<div class="max-w-[708px] hidden sm:block">
<div>
</div>
</div>
</div>
</div>
</div>
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16 my-10 text-eggplant" data-testid="marketing-section">
<div class="lg:flex lg:justify-evenly lg:gap-5">
<div class="lg:max-w-[450px] xl:order-last">
<h2 class="mb-5" data-testid="build-bond-ladder">
<span class="copy-h2-alt block text-[42px] xl:text-[60px]">
To build your own bond ladder, you’ll need patience and plenty of research.
</span>
<span class="copy-h2 text-[42px] xl:text-[60px]">
Or just use our app.
</span>
</h2>
<p class="mb-5 text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
Choose how long you want to invest (from three months to six years) and we’ll show you your estimated average yield. We’ll compare hundreds of Treasuries to prioritize high coupon payments and liquidity, and keep your ladder balanced as your rungs mature.
</p>
<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 bg-[#44407C] mb-5" href="/permalink/bond-ladder-introduction?to=faq&from=landing">
Get started
</a>
</div>
<div class="relative w-full max-w-[320px] -translate-x-1/2 left-1/2 lg:translate-x-0 lg:left-auto">
<div style="width:100%;height:100%">
</div>
</div>
</div>
</div>
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16 mt-20 xl:mb-10 2xl:mb-20 text-eggplant" data-testid="marketing-section">
<section data-testid="investing-involves-risk">
<div class="flex gap-x-36 items-end">
<h2 class="copy-h2-alt text-[42px] xl:text-[60px] max-w-[300px] sm:max-w-full">
All investing involves risk.
<span class="block copy-h2 text-[42px] xl:text-[60px]">
With Treasuries, that’s not very risky.
</span>
</h2>
<div class="hidden xl:block">
<img alt="" class="max-w-[190px]" height="263" loading="eager" src="assets/next/contenthash/next/automated_bond_ladder/risk-eagle.contenthash.9b7bcbd7232e11c79174c8d4443a86ba91dd32ba.png" width="190"/>
</div>
</div>
<div class="snap-x snap-mandatory overflow-x-scroll scroll-smooth lg:overflow-x-auto mx-auto mt-10 -mr-4 md:-mr-12 lg:!mx-auto">
<div class="relative flex gap-x-8 lg:grid lg:grid-cols-4 lg:gap-4">
<div class="w-[239px] lg:w-auto flex-shrink-0 snap-start">
<h3 class="copy-h3 font-bold text-[26px]">
Savings account
</h3>
<p class="max-w-[340px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
For your daily expenses and your emergency fund.
</p>
</div>
<div class="w-[239px] lg:w-auto flex-shrink-0 snap-start !text-[#D2874B]">
<h3 class="copy-h3 font-bold text-[26px]">
US Treasuries
</h3>
<p class="max-w-[340px] text-[18px] leading-[22px] !text-[#D2874B]" data-testid="marketing-text">
Backed by the full faith and credit of the US government, Treasuries offer a steady rate and are considered among the safest investments in the world.
</p>
</div>
<div class="w-[239px] lg:w-auto flex-shrink-0 snap-start">
<h3 class="copy-h3 font-bold text-[26px]">
Index funds
</h3>
<p class="max-w-[340px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
The time-tested approach designed to earn you greater returns over the long term, with more exposure to risk.
</p>
</div>
<div class="w-[239px] lg:w-auto flex-shrink-0 snap-start">
<h3 class="copy-h3 font-bold text-[26px]">
Individual stocks
</h3>
<p class="max-w-[340px] text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
Owning single stocks provides an opportunity to invest in companies you believe in, but can expose you to market volatility and company-specific risks.
</p>
</div>
<div class="w-[70px] flex-shrink-0 snap-start lg:w-0">
</div>
</div>
<div class="-mt-9 w-[1020px] lg:w-auto mt-5 md:mt-0">
<img alt="Volatility illustration" height="345" loading="eager" src="assets/next/contenthash/next/automated_bond_portfolio/line_chart.contenthash.6e67bc508bc35a432e8e9de51b52b7da3c0804b6.svg" width="1560"/>
</div>
</div>
</section>
</div>
<div class="bg-gradient-to-br from-eggplant to-blurple from-60% py-10 text-[#E8EBFD] 2xl:py-20">
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16" data-testid="marketing-section" id="compare">
<div>
<h2 class="copy-h2-alt text-[42px] xl:text-[60px] max-w-[600px] xl:max-w-[1000px] mx-auto sm:text-center">
Where should you save your extra cash?
<span class="copy-h2 text-[42px] xl:text-[60px]">
See your options.
</span>
</h2>
</div>
<div class="overflow-x-scroll py-6 xl:overflow-x-auto xl:max-w-[1200px] xl:mx-auto -mr-4 md:-mr-12 flex gap-4 md:gap-12">
<div class="grid grid-cols-[repeat(5,_minmax(150px,_1fr))] mx-auto relative">
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[100px]">
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 relative flex flex-col justify-center items-center h-[100px]">
<img alt="Wealthfront Logo" class="block z-10" height="25" loading="eager" src="assets/next/contenthash/next/svg/optimized/logo-surface-dark.contenthash.6a217cf7ba5c76ea3f152b02f943e570c478e64b.svg" width="24"/>
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-center z-10 mt-2 !text-white">
Automated Bond Ladder
</p>
<div class="absolute inset-0 top-[-24px] bottom-[-904px] 2xl:bottom-[-864px] !z-0 rounded-standard" style="background:var(--tk-gradient-vibrant-twilight)">
</div>
<div class="absolute left-0 right-0 bottom-0 h-[1px] mb-[-1px] bg-[#E8EBFD] z-10">
</div>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] border-x border-x-eggplant bg-[#C3CDF41A] flex flex-col justify-center items-center h-[100px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-center !text-white">
Savings account
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] border-x border-x-eggplant bg-[#C3CDF41A] flex flex-col justify-center items-center h-[100px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-center !text-white">
Certificate of Deposit
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] border-x border-x-eggplant bg-[#C3CDF41A] flex flex-col justify-center items-center h-[100px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-center !text-white">
Portfolio of corporate bonds
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-[#FFF3D8]">
Yield
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold !text-white" data-mask="true">
4.17%
–
4.34%
</p>
<p class="text-[18px] leading-[16px] lg:leading-[22px] !text-white">
Range of current yields on Treasuries in our 3-month ladder, after Fee; yields vary over time
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]" data-mask="true">
0.41%
APY
</p>
<p class="text-[18px] leading-[16px] lg:leading-[22px]" data-mask="true">
National avg. per FDIC.gov as of
March 17, 2025
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Variable depending on duration
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Variable depending on duration and issuer
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-[#FFF3D8]">
Risk of losing principal
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold !text-white">
Very low if held to maturity:
</p>
<p class="text-[18px] leading-[16px] lg:leading-[22px] !text-white">
Treasuries are backed by the full faith and credit of the US government
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Very low: Subject to FDIC insurance limits
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Very low: Subject to FDIC insurance limits
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Medium: Variable based on issuers credit rating
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-[#FFF3D8]">
Insurance
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold !text-white">
SIPC insured up to $500K
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
FDIC insured up to $250K
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Typically FDIC insured up to $250K
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Typically SIPC insured when held in a brokerage account
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-[#FFF3D8]">
Taxes
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold !text-white">
Exempt from state and local income taxes;
<span class="font-normal">
federal income taxes apply
</span>
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Federal, state, and (potentially) local income taxes apply
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Federal, state, and (potentially) local income taxes apply
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Federal, state, and (potentially) local income taxes apply
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-[#FFF3D8]">
Liquidity
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] !text-white">
<span class="font-semibold">
No fees for early withdrawals;
</span>
selling before maturity can result in reduced yield
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Fully liquid
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Fees or penalties may apply for early withdrawals
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
No fees for early withdrawals; selling before maturity can result in reduced yield
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[180px] 2xl:h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold text-[#FFF3D8]">
Fees
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] z-10 p-3 h-[180px] 2xl:h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px] font-semibold !text-white" data-mask="true">
Annual
0.15%
advisory fee
</p>
<p class="text-[18px] leading-[16px] lg:leading-[22px] !text-white" data-mask="true">
No advisory fee for
3 months
on your first Automated Bond Ladder.
<a class="z-10 relative font-medium underline text-eggplant !text-white" href="https://support.wealthfront.com/hc/en-us/articles/23265024478484-Automated-Bond-Ladders#fee_waiver_terms" rel="noopener noreferrer" target="_blank">
Terms apply.
</a>
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[180px] 2xl:h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Service and maintenance fees may apply
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[180px] 2xl:h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
No fees
</p>
</div>
<div class="flex-shrink-0 border-b-[1px] border-b-[#E8EBFD] leading-[24px] p-3 h-[180px] 2xl:h-[140px]">
<p class="text-[18px] leading-[16px] lg:leading-[22px]">
Management fees and other fees may apply
</p>
</div>
</div>
<div>
</div>
</div>
</div>
</div>
<div class="mx-auto flex max-w-[1766px] flex-col gap-y-20 px-4 sm:px-12 xl:px-16 text-eggplant" data-testid="marketing-section">
<div class="my-10 xl:my-20 lg:flex lg:justify-between lg:gap-20 relative 2xl:justify-evenly" data-testid="ladder-up">
<div class="hidden lg:block">
<div class="relative -ml-10 mt-6 md:ml-0 max-w-[566px] lg:-ml-12 lg:mt-0 xl:-ml-16 xl:max-w-[846px] 2xl:-ml-[13%]">
<picture>
<source srcset="/next/contenthash/next/automated_bond_ladder/cherry-tree-640w.contenthash.2e57f9768c9c82c394c7b3fa99a335fad2f71992.webp 640w, /next/contenthash/next/automated_bond_ladder/cherry-tree-750w.contenthash.0cfae4d268d06af8e0bd2a3795da12024376ee8b.webp 750w, /next/contenthash/next/automated_bond_ladder/cherry-tree-828w.contenthash.f4a8fe5e0508ee4bb5d0981fc11b0af2cf48add0.webp 828w, /next/contenthash/next/automated_bond_ladder/cherry-tree-1080w.contenthash.227301da28813a1044fd62bb6e06b26ec107c241.webp 1080w, /next/contenthash/next/automated_bond_ladder/cherry-tree-1200w.contenthash.ff35d8e596cd6e0db7f54a6a73ca01fab5bcf897.webp 1200w" type="image/webp"/>
<img alt="its a tree, with cherry blossoms" height="556" loading="lazy" src="assets/next/contenthash/next/automated_bond_ladder/cherry-tree.contenthash.bb1410ffe58c26b286bc6ea1e38de438b5e9f0c1.png" width="846"/>
</picture>
<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 !h-[93px] !w-[252px] xl:!w-[396px] xl:!h-[111px] absolute -bottom-3 right-3 md:-right-24 md:bottom-14 lg:-right-16 lg:top-16" data-mask="true" data-testid="automated-bond-portfolio-mobile-notifications" 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="text-[12px]">
<div class="flex items-center space-x-1">
<img alt="" class="h-[20px] w-[20px]" 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>
<div>
<p class="text-[15px]">
now
</p>
</div>
</div>
<div class="text-[16px] leading-none lg:text-[18px] 2xl:text-[23px]">
<p class="text-[15px] xl:text-[22px]">
Your bond ladder’s first rung matured. You earned $114.54 in interest.
</p>
</div>
</div>
</div>
</div>
<div>
<h2>
<span class="copy-h2-alt text-[42px] xl:text-[60px]">
Ready to start earning?
</span>
<span class="copy-h2 text-[42px] xl:text-[60px] sm:block">
Ladder up.
</span>
</h2>
<div class="lg:hidden">
<div class="relative -ml-10 mt-6 md:ml-0 max-w-[566px] lg:-ml-12 lg:mt-0 xl:-ml-16 xl:max-w-[846px] 2xl:-ml-[13%]">
<picture>
<source srcset="/next/contenthash/next/automated_bond_ladder/cherry-tree-640w.contenthash.2e57f9768c9c82c394c7b3fa99a335fad2f71992.webp 640w, /next/contenthash/next/automated_bond_ladder/cherry-tree-750w.contenthash.0cfae4d268d06af8e0bd2a3795da12024376ee8b.webp 750w, /next/contenthash/next/automated_bond_ladder/cherry-tree-828w.contenthash.f4a8fe5e0508ee4bb5d0981fc11b0af2cf48add0.webp 828w, /next/contenthash/next/automated_bond_ladder/cherry-tree-1080w.contenthash.227301da28813a1044fd62bb6e06b26ec107c241.webp 1080w, /next/contenthash/next/automated_bond_ladder/cherry-tree-1200w.contenthash.ff35d8e596cd6e0db7f54a6a73ca01fab5bcf897.webp 1200w" type="image/webp"/>
<img alt="its a tree, with cherry blossoms" height="556" loading="lazy" src="assets/next/contenthash/next/automated_bond_ladder/cherry-tree.contenthash.bb1410ffe58c26b286bc6ea1e38de438b5e9f0c1.png" width="846"/>
</picture>
<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 !h-[93px] !w-[252px] xl:!w-[396px] xl:!h-[111px] absolute -bottom-3 right-3 md:-right-24 md:bottom-14 lg:-right-16 lg:top-16" data-mask="true" data-testid="automated-bond-portfolio-mobile-notifications" 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="text-[12px]">
<div class="flex items-center space-x-1">
<img alt="" class="h-[20px] w-[20px]" 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>
<div>
<p class="text-[15px]">
now
</p>
</div>
</div>
<div class="text-[16px] leading-none lg:text-[18px] 2xl:text-[23px]">
<p class="text-[15px] xl:text-[22px]">
Your bond ladder’s first rung matured. You earned $114.54 in interest.
</p>
</div>
</div>
</div>
</div>
<div class="flex flex-col gap-y-5 mt-5">
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<div class="h-[42px] w-[42px]">
<svg fill="none" height="42" viewbox="0 0 42 42" width="42" xmlns="http://www.w3.org/2000/svg">
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</path>
<path clip-rule="evenodd" d="M35.875 19.2582C35.6348 19.2582 35.4021 19.2259 35.1811 19.1655L26.4587 27.8258C25.7763 28.5034 24.675 28.5034 23.9926 27.8258L18.2219 22.0962C17.5406 21.4198 16.4416 21.4185 15.7588 22.0933L8.66719 29.1015C8.72125 29.3114 8.75 29.5314 8.75 29.7582C8.75 31.2079 7.57475 32.3832 6.125 32.3832C4.67525 32.3832 3.5 31.2079 3.5 29.7582C3.5 28.3084 4.67525 27.1332 6.125 27.1332C6.36854 27.1332 6.60433 27.1664 6.8281 27.2284L15.7631 18.3985C16.446 17.7237 17.545 17.725 18.2262 18.4014L23.9926 24.1267C24.675 24.8042 25.7763 24.8042 26.4587 24.1267L33.3352 17.2991C33.2796 17.0865 33.25 16.8633 33.25 16.6332C33.25 15.1834 34.4252 14.0082 35.875 14.0082C37.3247 14.0082 38.5 15.1834 38.5 16.6332C38.5 18.0829 37.3247 19.2582 35.875 19.2582Z" fill="#230B59" fill-rule="evenodd">
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<path clip-rule="evenodd" d="M7.90551 15.0401C8.05116 14.6708 8.57384 14.6708 8.71949 15.0401L9.10899 16.0277C9.15346 16.1405 9.24271 16.2297 9.35547 16.2742L10.3431 16.6637C10.7124 16.8094 10.7124 17.332 10.3431 17.4777L9.35547 17.8672C9.24271 17.9117 9.15346 18.0009 9.10899 18.1137L8.71949 19.1013C8.57384 19.4706 8.05116 19.4706 7.90551 19.1013L7.51601 18.1137C7.47154 18.0009 7.38229 17.9117 7.26953 17.8672L6.28194 17.4777C5.91262 17.332 5.91262 16.8094 6.28194 16.6637L7.26953 16.2742C7.38229 16.2297 7.47154 16.1405 7.51601 16.0277L7.90551 15.0401Z" fill="#230B59" fill-rule="evenodd">
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<div class="text-[18px] leading-[22px] text-eggplant" data-testid="marketing-text">
<div data-mask="true">
4.17%
–
4.34%
Range of current yields on Treasuries in our 3-month ladder
</div>
</div>
</div>
<div class="flex items-center gap-x-5 max-w-[380px]">
<div class="h-[42px] w-[42px]">
<svg fill="none" height="43" viewbox="0 0 42 43" width="42" xmlns="http://www.w3.org/2000/svg">
<path clip-rule="evenodd" d="M10.2812 11.7009H6.5625C5.83763 11.7009 5.25 11.1133 5.25 10.3884C5.25 9.66355 5.83763 9.07593 6.5625 9.07593H10.2812C11.1269 9.07593 11.8125 8.39036 11.8125 7.54468V7.32593C11.8125 6.60105 12.4001 6.01343 13.125 6.01343C13.8499 6.01343 14.4375 6.60105 14.4375 7.32593V13.4509C14.4375 14.1758 13.8499 14.7634 13.125 14.7634C12.4001 14.7634 11.8125 14.1758 11.8125 13.4509V13.2322C11.8125 12.3865 11.1269 11.7009 10.2812 11.7009Z" fill="#230B59" fill-rule="evenodd">
</path>
<path clip-rule="evenodd" d="M18.375 9.07593H35.4375C36.1624 9.07593 36.75 9.66355 36.75 10.3884C36.75 11.1133 36.1624 11.7009 35.4375 11.7009H18.375C17.6501 11.7009 17.0625 11.1133 17.0625 10.3884C17.0625 9.66355 17.6501 9.07593 18.375 9.07593Z" fill="#230B59" fill-rule="evenodd">
</path>
<path clip-rule="evenodd" d="M5.25 21.7634C5.25 21.0386 5.83763 20.4509 6.5625 20.4509H22.5312C23.3769 20.4509 24.0625 19.7654 24.0625 18.9197V18.7009C24.0625 17.9761 24.6501 17.3884 25.375 17.3884C26.0999 17.3884 26.6875 17.9761 26.6875 18.7009V24.8259C26.6875 25.5508 26.0999 26.1384 25.375 26.1384C24.6501 26.1384 24.0625 25.5508 24.0625 24.8259V24.6072C24.0625 23.7615 23.3769 23.0759 22.5312 23.0759H6.5625C5.83763 23.0759 5.25 22.4883 5.25 21.7634Z" fill="#230B59" fill-rule="evenodd">
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<path clip-rule="evenodd" d="M36.75 21.7634C36.75 22.4883 36.1624 23.0759 35.4375 23.0759H30.625C29.9001 23.0759 29.3125 22.4883 29.3125 21.7634C29.3125 21.0386 29.9001 20.4509 30.625 20.4509H35.4375C36.1624 20.4509 36.75 21.0386 36.75 21.7634Z" fill="#230B59" fill-rule="evenodd">
</path>
<path clip-rule="evenodd" d="M5.25 33.1384C5.25 32.4136 5.83763 31.8259 6.5625 31.8259H18.1562C19.0019 31.8259 19.6875 31.1404 19.6875 30.2947V30.0759C19.6875 29.3511 20.2751 28.7634 21 28.7634C21.7249 28.7634 22.3125 29.3511 22.3125 30.0759V36.2009C22.3125 36.9258 21.7249 37.5134 21 37.5134C20.2751 37.5134 19.6875 36.9258 19.6875 36.2009V35.9822C19.6875 35.1365 19.0019 34.4509 18.1562 34.4509H6.5625C5.83763 34.4509 5.25 33.8633 5.25 33.1384Z" fill="#230B59" fill-rule="evenodd">
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<path clip-rule="evenodd" d="M26.25 31.8259H35.4375C36.1624 31.8259 36.75 32.4136 36.75 33.1384C36.75 33.8633 36.1624 34.4509 35.4375 34.4509H26.25C25.5251 34.4509 24.9375 33.8633 24.9375 33.1384C24.9375 32.4136 25.5251 31.8259 26.25 31.8259Z" fill="#230B59" fill-rule="evenodd">
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Pay $0 in state income taxes
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<path clip-rule="evenodd" d="M10.7714 11.4652C10.8515 11.175 10.636 10.8876 10.3385 10.8876H10.2256C9.79134 10.8876 9.43933 10.5312 9.43933 10.0916C9.43933 9.65202 9.79134 9.29565 10.2256 9.29565H33.8123C34.2466 9.29565 34.5986 9.65202 34.5986 10.0916C34.5986 10.5312 34.2466 10.8876 33.8123 10.8876H33.2747C32.9191 10.8876 32.6668 11.2384 32.7759 11.581L36.4743 23.1947C36.4933 23.2543 36.5013 23.3141 36.4998 23.3722C36.4978 23.4509 36.4829 23.529 36.4784 23.6076C36.4133 24.7493 35.9048 25.8216 35.0613 26.6185C34.1584 27.4717 32.9447 27.9423 31.6896 27.9423C30.4344 27.9423 29.2207 27.4717 28.3178 26.6185C27.4141 25.7647 26.8948 24.5948 26.8936 23.3621C26.8936 23.3596 26.8956 23.3576 26.8981 23.3576C26.9005 23.3576 26.9025 23.3555 26.9026 23.353C26.903 23.3076 26.9094 23.2612 26.9222 23.2148L29.9527 12.2344C30.1394 11.5578 29.637 10.8876 28.9431 10.8876H23.8535C23.2745 10.8876 22.8052 11.3627 22.8052 11.9488V33.1744C22.8052 33.7605 23.2745 34.2357 23.8535 34.2357H26.2122C26.6464 34.2357 26.9984 34.592 26.9984 35.0316C26.9984 35.4712 26.6464 35.8276 26.2122 35.8276H17.5637C17.1294 35.8276 16.7774 35.4712 16.7774 35.0316C16.7774 34.592 17.1294 34.2357 17.5637 34.2357H20.1844C20.7634 34.2357 21.2327 33.7605 21.2327 33.1744V11.9488C21.2327 11.3627 20.7634 10.8876 20.1844 10.8876H14.6009C13.8897 10.8876 13.3849 11.5892 13.6031 12.2745L17.0808 23.1947C17.0997 23.2543 17.1078 23.3141 17.1062 23.3722C17.1042 23.4509 17.0893 23.529 17.0848 23.6076C17.0198 24.7493 16.5112 25.8216 15.6678 26.6185C14.7648 27.4717 13.5511 27.9423 12.296 27.9423C11.0408 27.9423 9.82712 27.4717 8.9242 26.6185C8.02055 25.7647 7.50127 24.5948 7.5 23.3621C7.5 23.3596 7.502 23.3576 7.50448 23.3576C7.50695 23.3576 7.50895 23.3555 7.50898 23.353C7.50945 23.3076 7.51578 23.2612 7.52859 23.2148L10.7714 11.4652ZM10.3984 23.8882C9.73815 23.8882 9.24518 24.5211 9.6419 25.0553C9.74669 25.1964 9.86527 25.3302 9.99711 25.4547C10.5981 26.0226 11.4242 26.3504 12.296 26.3504C13.1677 26.3504 13.9938 26.0226 14.5948 25.4547C14.7267 25.3302 14.8453 25.1964 14.95 25.0553C15.3468 24.5211 14.8538 23.8882 14.1936 23.8882H10.3984ZM29.0355 25.0553C28.6388 24.5211 29.1317 23.8882 29.7919 23.8882H33.5872C34.2474 23.8882 34.7403 24.5211 34.3436 25.0553C34.2388 25.1964 34.1203 25.3302 33.9884 25.4547C33.3874 26.0226 32.5613 26.3504 31.6896 26.3504C30.8178 26.3504 29.9917 26.0226 29.3907 25.4547C29.2589 25.3302 29.1403 25.1964 29.0355 25.0553ZM31.735 13.5006C31.6553 13.2502 31.3031 13.2573 31.2332 13.5106L28.9942 21.6229C28.9008 21.9612 29.1521 22.2963 29.499 22.2963H33.8164C34.1719 22.2963 34.4243 21.9455 34.3152 21.6028L31.735 13.5006ZM10.1054 22.2963C9.75849 22.2963 9.50726 21.9612 9.60063 21.6229L11.8396 13.5106C11.9095 13.2573 12.2617 13.2502 12.3414 13.5006L14.9216 21.6028C15.0308 21.9455 14.7784 22.2963 14.4228 22.2963H10.1054Z" fill="#230B59" fill-rule="evenodd">
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Very low risk (Treasuries are backed by the US government)
</div>
</div>
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<div class="h-[42px] w-[42px]">
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<path clip-rule="evenodd" d="M16.2102 5.77832L14.86 7.04411C13.7026 8.12915 14.4704 10.0708 16.0569 10.0708H30.1875C30.9124 10.0708 31.5 10.6584 31.5 11.3833C31.5 12.1082 30.9124 12.6958 30.1875 12.6958H16.0569C14.4704 12.6958 13.7026 14.6375 14.86 15.7225L16.2102 16.9883C16.739 17.4841 16.7658 18.3147 16.27 18.8435C15.7742 19.3723 14.9436 19.3991 14.4148 18.9033L7.41483 12.3408C7.15016 12.0927 7 11.7461 7 11.3833C7 11.0205 7.15016 10.6739 7.41483 10.4258L14.4148 3.86329C14.9436 3.36752 15.7742 3.39431 16.27 3.92313C16.7658 4.45195 16.739 5.28255 16.2102 5.77832Z" fill="#230B59" fill-rule="evenodd">
</path>
<path clip-rule="evenodd" d="M9.625 29.7583C9.625 29.0334 10.2126 28.4458 10.9375 28.4458H25.0681C26.6546 28.4458 27.4224 26.5041 26.265 25.4191L24.9148 24.1533C24.386 23.6576 24.3592 22.827 24.855 22.2981C25.3508 21.7693 26.1814 21.7425 26.7102 22.2383L33.7102 28.8008C33.9748 29.0489 34.125 29.3955 34.125 29.7583C34.125 30.1211 33.9748 30.4677 33.7102 30.7158L26.7102 37.2783C26.1814 37.7741 25.3508 37.7473 24.855 37.2185C24.3592 36.6897 24.386 35.8591 24.9148 35.3633L26.265 34.0975C27.4224 33.0125 26.6546 31.0708 25.0681 31.0708H10.9375C10.2126 31.0708 9.625 30.4832 9.625 29.7583Z" fill="#230B59" fill-rule="evenodd">
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Reinvest or withdraw funds with no penalties or hassles
<br/>
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Selling before maturity can result in reduced yield and market risk
</span>
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Get started
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<h3 class="copy-h1-alt 2xl:text-[60px]">
A good investment starts with asking good questions.
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<p>
Still deciding? Read our
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Automated Bond Ladder Whitepaper
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or learn more at our
<a class="z-10 relative font-medium underline text-eggplant" href="https://support.wealthfront.com/hc/en-us/articles/23265024478484-Automated-Bond-Ladders" rel="noopener noreferrer" target="_blank">
help center
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.
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What exactly is a bond ladder?
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So, how does your Automated Bond Ladder work?
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No state income taxes? For Treasuries? Really!?
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Is there any fee for withdrawing my money early?
</div>
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How is the Automated Bond Ladder different from the Automated Bond Portfolio?
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How do I know if this product is right for me?
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