How does the algorithm decide how and what to invest in?

The algorithm is designed to evaluate and improve your portfolio. It can decide if rebalancing is worth it based on your diversification, fees, tax efficiency, and many other smaller factors like commissions, bid/ask spread, and others. It weighs all the various costs and benefits and decides whether any transactions are warranted to get your closer to your target asset allocation.

The target asset allocation, however, is designed by our team of investment professionals with decades of cumulative experience. This includes selecting the white list of funds that the algorithm has to choose from.