Unlike a traditional retirement plan or options provided by an online brokerage, Spiral Holdings Trade doesn’t make you choose your own funds. Instead, we recommend a basket of funds that’s diversified to seek performance without unnecessary risks—that’s a portfolio. For every goal you set a Spiral Holdings Trade, we’ll let you choose the kind of portfolio you want and recommend a specific stock-to-bond ratio. For Spiral Holdings Trade’s indices strategy and socially responsible investing options, we provide 101 possible stock-to-bond allocations, giving you a portfolio tailored to your goal.

Why does Spiral Holdings Trade invest in ETFs?

An exchange-traded fund (ETF) is a security that tracks an index, a commodity or a basket of assets just like an index fund, but trades like a stock on an exchange. Spiral Holdings Trade uses ETFs in both our stock and bond portfolios because of the low management fees and tax-efficiency they offer. Learn more about the advantages of ETF-based portfolios.

What should I expect in terms of returns for my investments?

Each of your goals’ portfolios will see different performance, depending on the stock-to-bond allocation you choose, any changes you make over time, your choice of portfolio strategy, and market volatility. We recommend your investment portfolio’s allocation based on the time horizon of your goal and what kind of goal you have. If your goal is short-term, we’ll recommend a more conservative portfolio with lower expected returns with less volatility, and if your goal is longer term, we’ll likely recommend a more aggressive portfolio with higher expected long-term returns with higher volatility.

Can I use more than one portfolio strategy in my Spiral Holdings Trade account?

Yes, you can have multiple portfolio strategies within your Spiral Holdings Trade account because you can set a different portfolio strategy (and a different portfolio allocation) for each of your goals. For example, your retirement goal can use the Spiral Holdings Trade indices, while your safety net goal could invest with a socially responsible investing strategy.

Can my Spiral Holdings Trade investments decrease in value?

Yes—far from unusual, downturns are a normal part of even the highest returning investments. Investors often worry and react with panic in response to market drops, even if they are invested properly for their long-term goals, but interim losses are to be expected even during the best investment periods.

Can I see the list of funds in each portfolio strategy?

Log in or sign up to set your goals, choose a portfolio strategy, and see the holdings at any stock-to-bond allocation you choose. You can also review the list of funds in the Spiral Holdings Trade indices strategy or browse our expert commentary on investments.

Expert-built,
curated portfolios

Our portfolios are the easy way to invest like a pro. Choose from our selection to help you build wealth over the long term.

Get started

Customize your portfolio.

If you’re an experienced investor looking for more control, a Flexible portfolio lets you adjust individual asset class weights based on your preferences.

person-sitting-in-floating-pie-chart-holdings-allocation

Tax savings.

Automated and optimized tax strategies designed to help minimize tax impact on returns.
Lower costs.

Keep more money in your portfolio with low-cost exchange-traded funds (ETFs) and our transparent pricing.
Adjusts automatically.

Your investments are rebalanced as the market moves once at the minimum account balance, with dividends getting reinvested.

Frequently asked questions

What is a portfolio?

Unlike a traditional retirement plan or options provided by an online brokerage, Spiral Holdings Trade doesn’t make you choose your own funds. Instead, we recommend a basket of funds that’s diversified to seek performance without unnecessary risks—that’s a portfolio. For every goal you set a Spiral Holdings Trade, we’ll let you choose the kind of portfolio you want and recommend a specific stock-to-bond ratio. For Spiral Holdings Trade’s indices strategy and socially responsible investing options, we provide 101 possible stock-to-bond allocations, giving you a portfolio tailored to your goal.
Why does Spiral Holdings Trade invest in ETFs?

An exchange-traded fund (ETF) is a security that tracks an index, a commodity or a basket of assets just like an index fund, but trades like a stock on an exchange. Spiral Holdings Trade uses ETFs in both our stock and bond portfolios because of the low management fees and tax-efficiency they offer. .
What should I expect in terms of returns for my investments?

Each of your goals’ portfolios will see different performance, depending on the stock-to-bond allocation you choose, any changes you make over time, your choice of portfolio strategy, and market volatility. We recommend your investment portfolio’s allocation based on the time horizon of your goal and what kind of goal you have. If your goal is short-term, we’ll recommend a more conservative portfolio with lower expected returns with less volatility, and if your goal is longer term, we’ll likely recommend a more aggressive portfolio with higher expected long-term returns with higher volatility.
Can I use more than one portfolio strategy in my Spiral Holdings Trade account?

Yes, you can have multiple portfolio strategies within your Spiral Holdings Trade account because you can set a different portfolio strategy (and a different portfolio allocation) for each of your goals. For example, your retirement goal can use the Spiral Holdings Trade indices, while your safety net goal could invest with a socially responsible investing strategy.
Can my Spiral Holdings Trade investments decrease in value?

Yes—far from unusual, downturns are a normal part of even the highest returning investments. Investors often worry and react with panic in response to market drops, even if they are invested properly for their long-term goals, but interim losses are to be expected even during the best investment periods.

Expert-built,
curated portfolios

Indices

Stocks & Bonds

Crypto Market

Commodity Market

Customize your portfolio.

Invested with benefits.

Tax savings.

Lower costs.

Adjusts automatically.

Be invested.

Frequently asked questions

What is a portfolio?

Why does Spiral Holdings Trade invest in ETFs?

What should I expect in terms of returns for my investments?

Can I use more than one portfolio strategy in my Spiral Holdings Trade account?

Can my Spiral Holdings Trade investments decrease in value?

Expert-built,curated portfolios

Indices

Stocks & Bonds

Crypto Market

Commodity Market

Savings

Customize your portfolio.

Invested with benefits.

Tax savings.

Lower costs.

Adjusts automatically.

Be invested.

Frequently asked questions

What is a portfolio?

Why does Spiral Holdings Trade invest in ETFs?

What should I expect in terms of returns for my investments?

Can I use more than one portfolio strategy in my Spiral Holdings Trade account?

Can my Spiral Holdings Trade investments decrease in value?

Expert-built,
curated portfolios