Their mission is to get more money in the hands of women. With your money membership, Ellevest creates and manages a personalized investment portfolio for you. Everyone should have the opportunity to build wealth. Their investment algorithm factors in important realities for women, such as pay gaps, career breaks, and longer average lifespans.

They've made their online investing platform (serving Ellevest Digital, Premium & membership clients) gender-aware. For women, that means they use a proprietary algorithm to calculate financial goal targets to meet your specific needs, including a larger retirement target amount for your potentially longer lifespan.

Once they’ve calculated the amount you should be aiming for, they suggest how much you should contribute in order to get there based on your financial profile, a gender-specific salary curve, and your target horizon. Then they recommend an investment portfolio personalized to your goal and timeline to help you reach your goal (or better) in the majority of markets. They do that using a Monte Carlo simulation — a forward-looking, computer-based analysis in which they run their recommended portfolios and savings rates through hundreds of different economic scenarios.

They’re also proud to offer you the opportunity to invest to advance women through Ellevest Impact Portfolios. They constructed these investment portfolios, their version of gender-lens investing, to help you put your money in investments you care about, while still maintaining the opportunity to earn financial returns. When you become an Ellevest member, you get two banking accounts: one for spending, and one for saving. You can earn cash back when you shop at participating local and national businesses, including their Women-Led Collection.

Ellevest offers three different membership plans, starting at $1 a month, so you can choose the one that makes the most sense for you. They designed their plans’ pricing to be straightforward and easy to understand (and to make it possible for them to pay for themselves, no matter which one you choose).

You can switch plans anytime, and you can choose whether you want to pay monthly or pay annually and save.

• Ellevest Essential costs $1 a month or $12 a year
• Ellevest Plus costs $5 a month or $54 a year (save $6)
• Ellevest Executive costs $9 a month or $97 a year (save $11)

Ellevest also offers a number of other higher minimum investment solutions such as the Ellevest Intentional Impact portfolio which has a minimum investment of $250,000. Fees for your advisory services, execution, custody and banking services (your Ellevest Save and Spend accounts) are included in your membership fee.

Security of your financial and personal information is paramount. When you’re investing online, you want to make sure that the company you invest with uses the highest level of SSL encryption (that means that your address bar says “https” and is green) and follows industry best practices. Ellevest uses 2048-bit RSA for certificates and supports strongest encryption suites available and has an A+ rating from Qualys. You should also make sure that the data you’re giving your investment advisor is kept secure. At Ellevest, we encrypt your data and store it in data centers that meet security best practices.

Your funds in your Ellevest Save and Spend accounts are insured to the legal limit of $250,000 by the FDIC (Federal Deposit Insurance Company) through Ellevest’s business relationship with Coastal Community Bank, member FDIC.

Funds held in your Ellevest investment accounts are not FDIC‐insured, not guaranteed by Coastal, and may lose value. Ellevest does not guarantee investment performance. Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time.