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Robo Advisor WiseBanyan Portfolios, Is Free Better?

robo-advisor-WiseBanyan-Portfolios

This is the article displaying 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 relative 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.

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

Portfolio nameAsset class count1 year return (2019)Year to date10 year returnCAGR since 1989DrawdownRisk LevelExpense ratioYield
Robo Advisor WiseBanyan 90% stocks925.51%1.79%9.78%8.83%-35.78%5 - very high risk0.06%2.25%
Robo Advisor WiseBanyan 80% stocks923.87%1.73%9.29%8.73%-32.10%4 - high risk0.06%2.24%
Robo Advisor WiseBanyan 70% stocks922.12%1.67%8.74%8.56%-28.22%4 - high risk0.07%2.20%
Robo Advisor WiseBanyan 60% stocks920.45%1.61%8.21%8.37%-24.59%3 - medium risk0.08%2.19%
Robo Advisor WiseBanyan 50% stocks918.66%1.53%7.61%8.13%-20.70%3 - medium risk0.09%2.18%
Robo Advisor WiseBanyan 40% stocks916.89%1.46%6.99%7.86%-16.69%2 - low risk0.10%2.12%
Robo Advisor WiseBanyan 30% stocks915.03%1.40%6.31%7.53%-12.64%2 - low risk0.10%2.02%
Robo Advisor WiseBanyan 20% stocks912.81%1.32%5.47%7.07%-8.49%1 - very low risk0.09%1.92%
Robo Advisor WiseBanyan 13% stocks910.14%1.11%4.34%6.36%-4.45%1 - very low risk0.07%1.81%

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)

Check the best mutual funds and ETFs here.

Resources for robo advisor WiseBanyan portfolios

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

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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