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The portfolios of robo advisor WiseBanyan were a welcome addition to the robo advisor space. In this article we the portfolios by robo advisor WiseBanyan. Here you will find a description, resources, and Performance for the portfolios as well as detailed information on how to implement them yourself.
Below you can see the performance and risk of the Wealthsimple portfolios.
Note that we have used our data series to calculate the returns and they may differ from Wealthsimple’s calculations.
Portfolio data was last updated on 1st of June 2023, 06:35 ET
|Name||Year to date||Return in 2022||10 year return||CAGR since 1989 (%)||Draw Down||Expense ratio||Yield|
|Robo Advisor WiseBanyan 90% stocks||6.42||-17.41||8.34||8.39||-35.78||0.05%||2.36|
|Robo Advisor WiseBanyan 80% stocks||5.74||-16.79||7.64||8.25||-32.1||0.06%||2.54|
|Robo Advisor WiseBanyan 70% stocks||5.06||-16.09||6.91||8.04||-28.22||0.07%||2.69|
|Robo Advisor WiseBanyan 60% stocks||4.38||-15.41||6.19||7.82||-24.59||0.08%||2.85|
|Robo Advisor WiseBanyan 50% stocks||3.71||-14.65||5.4||7.54||-20.7||0.09%||3.03|
|Robo Advisor WiseBanyan 40% stocks||3.16||-13.9||4.63||7.24||-16.69||0.10%||3.19|
|Robo Advisor WiseBanyan 30% stocks||2.66||-13.08||3.86||6.89||-13.08||0.09%||3.27|
|Robo Advisor WiseBanyan 20% stocks||2.09||-11.93||3.02||6.42||-11.93||0.08%||3.25|
|Robo Advisor WiseBanyan 13% stocks||1.54||-9.93||2.25||5.75||-9.93||0.07%||2.85|
Here is what the table is showing you
Year to date: This shows what the portfolio has returned this year starting from the first trading day of the year.
10 Year return: This shows the compounded annualized growth rate over a ten-year period. The current year is excluded from calculations.
CAGR since 1989: This shows the compounded annualized growth rate since 1989. The current year is excluded from calculations.
Expense ratio: This shows the cost of holding the portfolio if you were to construct the portfolio using the proposed ETFs.
Yield: This is the expected dividend yield of the portfolio.
Please note that past performance is not a guarantee of future returns.
These are excellent performing portfolios. We especially like the allocation to minimum volatility stocks.
Below you can see the returns of the best portfolios that we have benchmarked.
|Name||See Portfolio||Year to date||Return in 2022||10 year return||CAGR since 1989 (%)||Draw Down|
WiseBanyan was a newcomer to the robo advisor space. Established in 2013. They were the only (so far), fee-based robo advisor. This means you don’t pay anything to have your money managed. That’s pretty amazing – and as it turned out not sustainable (see below).
Their name was taken from the banyan tree.
We chose the banyan tree as a symbol of strength and stability. It also has deep roots that grow down from the limbs, so the imagery of putting down financial roots was what we were going for.
– Herbert Moore, Co-founder of WiseBanyan
The proud Banyan tree. Photo by the talented Kim Seng
In 2018 WiseBanyan cashed out and let Axos Financial buy them. Axos has merged WiseBanyan into its own robo service Axosinvest.
Just like WiseBanyan, Axos offer free money management.
Axos Financial is a rebranding of the former BofI bank (bank of Internet, U.S.A.). It has enjoyed a huge success due to its low-cost structure and agile mode of operations.
Their portfolios are simple and easy to understand without any special asset classes. This is in contrast to Betterment and Wealthfront.
Wealthfront and Betterment use emerging market bonds. For a comparison of robo advisors, you should check out our overview Robo Advisor Performance.
At the time WiseBanyon did not offer a portfolio with a 100% stock allocation so we cannot expect these portfolios to break any return records. But do notice their low-risk portfolio. These are all very high performing with minimum downside risk.
You can get an overview of robo advisors in the article Robo Advisor Performance.
Finding the right portfolio is hard. Maintaining your portfolio is also daunting.
If you want access to our high-performing portfolios then you want to take a look at the premium portfolios.
This is a paid product that gives you the 20 best-performing portfolios since 1989. The portfolios represent a great opportunity for you to get more money from your investment portfolios. The 20 portfolios are the best among the literally hundreds of other portfolios we have benchmarked since we started.
You stand to gain thousands more dollars EACH YEAR for the price of a few months of Netflix.
If you have already committed to a portfolio then maybe you need help maintaining the portfolio. In this case you will find our rebalance worksheet useful.
Rebalancing your portfolio lowers your risk and may provide higher returns in the long run. It is completely FREE.
You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool.
Although WiseBanyan does not exist anymore their portfolios live on.
Their low-risk portfolios are especially noteworthy for their high return and low volatility