What does SigFig do?
For investors comparing robo-advisors for an investment account or retirement account, SigFig’s managed account service uses automated portfolio management to build, monitor, and rebalance client portfolios, while its free portfolio tracker is a separate supporting feature for viewing and analyzing linked outside brokerage accounts.
SigFig Wealth Management, LLC was founded in 2011 and is an SEC-registered investment adviser wholly owned by Nvest, Inc. As of December 31, 2025, SigFig managed approximately $3.58 billion in client and digital advice investor assets on a discretionary basis.
Key services:
- Managed investment and retirement accounts
- Online risk profiling
- Model portfolios
- Automated rebalancing
- Optional tax-loss harvesting
- Free portfolio tracker
SigFig asset manager invests across these main asset classes:
- US stocks
- US bonds
- Developed international stocks
- Emerging market stocks
- Real estate
- Short-term US Treasury securities
What is SigFig’s investment philosophy?
SigFig’s investment approach is based on asset-class research, diversification, modern portfolio theory, risk-profile matching, ongoing monitoring, and rebalancing.
Its process emphasizes portfolio allocation and risk control rather than individual stock selection, while also considering tax impact when transitioning or trading managed portfolios.
What are the pros and cons of SigFig?
Here’s a summary of the key advantages and disadvantages of SigFig reviews to help decide if it’s the right fit for you.
Pros of SigFig:
- Free portfolio tracker: SigFig states that portfolio tracking is provided without charge.
- Discretionary management: Clients do not simply receive suggestions; SigFig can manage, trade, and rebalance the managed account under the advisory agreement.
- Tax-aware features: Optional tax-loss harvesting is available where activated and applicable, though clients remain responsible for tax consequences.
Cons of SigFig:
- Account minimum: SigFig generally requires a $2,000 minimum investment for managed accounts, which may be a barrier for investors starting with smaller balances.
- Limited advisory scope: SigFig’s advice is currently focused on model portfolios, primarily mutual funds and ETFs, rather than broad financial planning.
- Fee schedule not fully simple: Clients may pay a flat fee or asset-based fee, generally no greater than 0.50% of AUM, while fee arrangements may vary by agreement.
SigFig fees: how much does SigFig cost?
SigFig’s portfolio tracking is free, while managed account clients may pay either a flat fee or an asset-based management fee. The management fee is generally no greater than 0.50% of assets under management.
Cost item | SigFig managed account pricing |
|---|---|
First $10,000 | No management fee |
More than $10,000 | Management fee is 0.25% annually |
ETF expense ratios | Average embedded ETF expense ratio of 0.07% to 0.15%, depending on brokerage |
What is SigFig’s minimum account size?
SigFig generally imposes a $2,000 minimum investment for clients, but the firm may reduce or modify that minimum at its sole discretion.
Digital advice programs offered through partner institutions may have different minimums.
Who should choose SigFig?
SigFig’s managed account service is most relevant to investors comparing robo-advisors for an investment or retirement account, especially those who want automated portfolio management rather than a traditional advisor-led relationship.
SigFig works well for:
- Hands-off investors: The managed account gives SigFig discretion to manage and rebalance the portfolio.
- ETF and mutual fund investors: The service is built mainly around model portfolios using mutual funds and ETFs.
- Investors interested in tax-loss harvesting: SigFig offers optional tax-loss harvesting when activated and applicable.
- Users who want a free portfolio tracker: SigFig’s tracker lets users sync outside brokerage accounts, review holdings, track performance, receive portfolio analytics, and create mock portfolios or watchlists. Tracker users do not pay advisory fees.
Who might not benefit as much:
- Investors starting with very small balances: SigFig generally imposes a $2,000 minimum investment for managed accounts, which can be a barrier for investors who want to start below that level.
- Investors looking for full financial planning: The service is focused on automated portfolio management, model portfolios, and rebalancing. Robo-advisors do not offer comprehensive financial planning.
- Investors who want a clearly fixed public fee schedule: SigFig’s public pricing may describe the standard managed account fee, but it also says fee arrangements can vary, and clients should check their advisory agreement.
SigFig: Is it secure?
Yes, SigFig is an SEC-registered investment adviser, but SEC registration does not imply a certain level of skill or protection from investment losses.
The firm states that client assets and securities for which SigFig has constructive custody are maintained by a qualified custodian, and clients receive quarterly or more frequent statements from the custodian.
SigFig also discloses several account and data safeguards:
- 256-bit SSL encryption
- No user information is sold
- SIPC protection
SigFig: Customer service
SigFig’s customer service model is mainly digital.
For managed account support, SigFig lists phone and email support, along with the option to schedule a complimentary chat with a financial consultant for investment-related questions.
SigFig: Mobile app
SigFig does offer mobile app access for its managed account service. Its filings state that advisory services are available through SigFig’s website, mobile apps, and co-branded partner pages or widgets.
SigFig’s online platform functions include syncing portfolio data from existing brokerage accounts, tracking and analyzing holdings, receiving market data and news, calculating portfolio performance, reviewing analytics, and creating mock portfolios or watchlists.
Is SigFig worth it?
SigFig’s managed account service is a focused robo-advisor option for investors who want automated portfolio construction, monitoring, rebalancing, and optional tax-loss harvesting. Its free portfolio tracker is a useful supporting feature for users who want to view outside brokerage accounts in one place.
However, it focuses on automated portfolio management, not full financial planning or a dedicated advisor relationship.
Overall, SigFig offers a robo-advisor service with portfolio-tracking tools, and its suitability depends on whether automated portfolio management is enough for the investor’s needs.
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