Xperion is designed to build wealth
over time — so make tomorrow count. Earn 3.30% APY on your short-term cash, and invest for the long
term with an automated, diversified Investment Account.
Best Robo-advisor, Portfolio Options, 2022 1
Best Robo-advisor, IRA, 2022 1
Best Robo-advisor, 2020 1
Best Robo-advisor, 2022 1
500k+
Trusted Clients
$31B+
In assets managed
4.8
Apple App Store 2
4.6
Google Play Store 2
More interest on your cash.
Earn 3.30% APY.
That's 15x the national interest rate3, and zero
strings attached
With our high-yield Cash Account,
you’ll earn more on your short-term savings, like for your emergency fund or, say, a new canoe — and
more on any money you’re planning to invest later. Cha-ching💰.
No account fees
Unlimited fee-free transfers
Up to $2M FDIC insurance through partner banks
Just $1 to get started
Diversified
Long-term investing.
Investing when the markets are down can mean getting in at a
discount.
Remember, over the long term the
markets have always bounced back 📈. Even with the inevitable ups and downs, our expert-built portfolios
make it easy to stay diversified for long-term goals. We’ll automatically rebalance your portfolio,
manage unnecessary risk, and help minimize your taxes. It’s no secret, it’s just time (and a lot of
automation).
Expert-built portfolios with up to 17 global asset
classes
Our software handles all the trading and
rebalancing
Tax-Loss Harvesting has boosted after-tax returns by an
extra ~1.8%
Designed to help keep the cost of investing low
Your 2022 money questions, answered.
How should i be thinking about short-term cash during inflation?
It might feel comforting, but holding too much cash can be a bad thing. But it’s a conundrum — not having enough for the short term is worse. Fortunately, there’s some easy logic to consider how much cash is right for you.
1. Keep enough cash on hand for your monthly expenses, a rainy-day fund (around 6 months worth), and other known soon-to-be’s (a down payment, a tax bill, etc). This money should be earning as much as it can in a high-yield account without account fees, and easy to transfer at a moment’s notice. Not to brag, but our Cash Account does all of this, and more.
2. Invest any excess cash in a diversified portfolio to put your money to work over time.
3. Let future you say thanks to past you 🙏.
We're in a bear market, why should i be investing now?
The answer is simple: the stock market’s on sale right now. Investing during a bear market means getting a lower price on the funds in your portfolio. When the next bull market comes around, your portfolio has a greater chance of bigger returns. The market tends to rebound faster than you think, so this “clearance” won’t last forever.
The long term, buh? How long are we talking, and why invest for it when the future's so
uncertain?
The bottom line? It’s a numbers game. And time is your cheat code 👾. For starters, we like to encourage a target of 3 to 5 years, but you can always withdraw your money at any time. The rest is simple: compounding can help you make more money in the long term. For example, if you invested $500 monthly for 30 years, instead of for just 20 years, at 8% — you’d end up with an extra $405,127.48. Right!? It almost doesn’t make sense.
How does your software keep me diversified?
Healthy diversification means more than just buying a side of ARKK to go with your FAANG. Thanks to our expert-built portfolios, and up to 17 global asset classes, our software automatically rebalances your portfolio whenever necessary. And with recurring deposits there’s no emotional burden of manually allocating each deposit. Thus, it’s easier to stay invested and make gains over the long term.