Build Robo Advisor WiseBanyan Portfolios With ETFs

Learn to build the WiseBanyan robo portfolios with ETFs. Compare against other robos to see which is best.
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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.

Robo Advisor WiseBanyan Portfolios, Is Free Better?

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

wise-banyan-tree-robo-advisor
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. I’ll let you read the fine print on that too good to be the true promise.

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.

Description of robo advisor WiseBanyan portfolios

Their portfolios are simple and easy to understand without any special asset classes in contrast to Betterment and Wealthfront. Wealthfront and Betterment, for example, 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.

Performance of robo advisor WiseBanyan portfolios

NameAsset class countYear to dateReturn in 202010 year returnCAGR since 1989 (%)Risk levelExpense ratio
Robo Advisor WiseBanyan 90% stocks910.92%15.89.959.0430.05%
Robo Advisor WiseBanyan 80% stocks99.88%14.629.398.9130.06%
Robo Advisor WiseBanyan 70% stocks98.79%13.438.778.7120.07%
Robo Advisor WiseBanyan 60% stocks97.73%12.278.178.4920.08%
Robo Advisor WiseBanyan 50% stocks96.54%11.127.528.2220.09%
Robo Advisor WiseBanyan 40% stocks95.26%10.266.887.9310.10%
Robo Advisor WiseBanyan 30% stocks94.00%9.486.27.5910.09%
Robo Advisor WiseBanyan 20% stocks92.72%8.455.367.1110.08%
Robo Advisor WiseBanyan 13% stocks91.71%7.014.256.3810.07%

Asset allocation robo advisor WiseBanyan portfolios

Robo Advisor WiseBanyan 90% stocks

  • 53.40%  US Total Stock Market   (VTI)
  • 0.80%    REITs (Real Estate)           (VNQ)
  • 29.00%  Int. Developed Blend      (VEA)
  • 6.70%    Emerging Markets           (VWO)
  • 2.80%    Intermediate-Term Treasury       (VGIT)
  • 3.20%    Corporate Bonds              (LQD)
  • 0.20%    Short-Term Investment-Grade   (VCSH)
  • 1.60%    High Yield Corporate Bonds         (HYG)
  • 2.30%    TIPS       (VTIP)

Robo Advisor WiseBanyan 80% stocks

  • 46.90%  US Total Stock Market   (VTI)
  • 2.00%    REITs (Real Estate)           (VNQ)
  • 25.40%  Int. Developed Blend      (VEA)
  • 5.90%    Emerging Markets           (VWO)
  • 5.30%    Intermediate-Term Treasury       (VGIT)
  • 6.00%    Corporate Bonds              (LQD)
  • 1.40%    Short-Term Investment-Grade   (VCSH)
  • 2.80%    High Yield Corporate Bonds         (HYG)
  • 4.30%    TIPS       (VTIP)

Robo Advisor WiseBanyan 70% stocks

  • 40.30%  US Total Stock Market   (VTI)
  • 3.10%    REITs (Real Estate)           (VNQ)
  • 21.90%  Int. Developed Blend      (VEA)
  • 5.00%    Emerging Markets           (VWO)
  • 7.90%    Intermediate-Term Treasury       (VGIT)
  • 8.80%    Corporate Bonds              (LQD)
  • 3.40%    Short-Term Investment-Grade   (VCSH)
  • 3.30%    High Yield Corporate Bonds         (HYG)
  • 6.30%    TIPS       (VTIP)

Robo Advisor WiseBanyan 60% stocks

  • 33.90%  US Total Stock Market   (VTI)
  • 4.10%    REITs (Real Estate)           (VNQ)
  • 18.30%  Int. Developed Blend      (VEA)
  • 4.20%    Emerging Markets           (VWO)
  • 10.10%  Intermediate-Term Treasury       (VGIT)
  • 11.40%  Corporate Bonds              (LQD)
  • 5.30%    Short-Term Investment-Grade   (VCSH)
  • 4.60%    High Yield Corporate Bonds         (HYG)
  • 8.10%    TIPS       (VTIP)

Robo Advisor WiseBanyan 50% stocks

  • 27.20%  US Total Stock Market   (VTI)
  • 4.70%    REITs (Real Estate)           (VNQ)
  • 14.80%  Int. Developed Blend      (VEA)
  • 3.40%    Emerging Markets           (VWO)
  • 12.70%  Intermediate-Term Treasury       (VGIT)
  • 14.20%  Corporate Bonds              (LQD)
  • 6.90%    Short-Term Investment-Grade   (VCSH)
  • 6.00%    High Yield Corporate Bonds         (HYG)
  • 10.10%  TIPS       (VTIP)

Robo Advisor WiseBanyan 40% stocks

  • 21.30%  US Total Stock Market   (VTI)
  • 4.40%    REITs (Real Estate)           (VNQ)
  • 11.50%  Int. Developed Blend      (VEA)
  • 2.70%    Emerging Markets           (VWO)
  • 15.80%  Intermediate-Term Treasury       (VGIT)
  • 17.60%  Corporate Bonds              (LQD)
  • 7.50%    Short-Term Investment-Grade   (VCSH)
  • 6.60%    High Yield Corporate Bonds         (HYG)
  • 12.60%  TIPS       (VTIP)

Robo Advisor WiseBanyan 30% stocks

  • 15.80%  US Total Stock Market   (VTI)
  • 4.00%    REITs (Real Estate)           (VNQ)
  • 8.60%    Int. Developed Blend      (VEA)
  • 2.00%    Emerging Markets           (VWO)
  • 18.60%  Intermediate-Term Treasury       (VGIT)
  • 20.80%  Corporate Bonds              (LQD)
  • 10.10%  Short-Term Investment-Grade   (VCSH)
  • 5.20%    High Yield Corporate Bonds         (HYG)
  • 14.90%  TIPS       (VTIP)

Robo Advisor WiseBanyan 20% stocks

  • 9.90%    US Total Stock Market   (VTI)
  • 4.00%    REITs (Real Estate)           (VNQ)
  • 5.30%    Int. Developed Blend      (VEA)
  • 1.20%    Emerging Markets           (VWO)
  • 19.90%  Intermediate-Term Treasury       (VGIT)
  • 22.30%  Corporate Bonds              (LQD)
  • 18.80%  Short-Term Investment-Grade   (VCSH)
  • 2.70%    High Yield Corporate Bonds         (HYG)
  • 15.90%  TIPS       (VTIP)

Robo Advisor WiseBanyan Aggressive 13% stocks

  • 5.50%    US Total Stock Market   (VTI)
  • 3.60%    REITs (Real Estate)           (VNQ)
  • 3.00%    Int. Developed Blend      (VEA)
  • 0.70%    Emerging Markets           (VWO)
  • 16.20%  Intermediate-Term Treasury       (VGIT)
  • 14.50%  Short Term Treasury       (VGSH)
  • 18.10%  Corporate Bonds              (LQD)
  • 25.60%  Short-Term Investment-Grade   (VCSH)
  • 12.80%  TIPS       (VTIP)

Resources for robo advisor WiseBanyan portfolios

You can get an overview of robo advisors in the article Robo Advisor Performance.

Suggestions for your next steps

Finding the correct portfolio is hard. Maintaining your portfolio is also daunting. If you are still in doubt about which portfolio to choose, we suggest you read our article How To Invest Money: 5 Simple Steps That Work For Anyone

If you have already committed to a portfolio – good for you! If you need help maintaining the portfolio 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.

Rebalancing lowers your portfolio risk and may increase your returns.


If you want access to our high-performing portfolios then you need to take a look at the premium portfolios. This is a paid product that gives you the 59 best-performing portfolios since 1989. The portfolios represent a great opportunity for you to have a shot at increasing the returns of your portfolio.

Portfolioeinstein Premium Portfolios

Conclusion

Although WiseBanyan does not exist anymore their portfolios live on.

Their low-risk portfolios are especially noteworthy for their high return and low volatility

Could you use one of their portfolios for your savings?

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