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Portfolio Builder FAQs

Portfolio Builder

Frequently asked questions

Portfolio Builder

What is Portfolio Builder?

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Portfolio Builder is a tool that enables customers with an existing You Invest Trade account to create an asset allocation, based on their answers to a few questions about their investment goals, time horizon and risk tolerance. Customers can also use Portfolio Builder to choose securities to fit their allocation and place trades to create their portfolio. There is a $2,500 minimum to use the Portfolio Builder tool.

Why should I use Portfolio Builder?

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Portfolio Builder is a great tool for clients who want to make their own investment decisions but need help with creating a portfolio that fits with their goals, time horizon and risk tolerance.

How much do I need in my account to use the Portfolio Builder tool?

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To create a portfolio with the Portfolio Builder tool, you must have a minimum available cash balance of $2,500 in your account.

What securities can I choose from to create my portfolio?

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Our Portfolio Builder tool allows you to choose and trade ETFs and stocks across a variety of asset classes, including U.S. and international equities, core fixed income and commodities/other.

How can I compare different investment options within the portfolio?

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You can use our Compare tool on your “Pick Your Funds” page to compare up to five (5) securities at a time.

What does risk tolerance mean?

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Your risk tolerance is a measure of how much investment risk you’re comfortable accepting in your portfolio. Risk tolerance is based on several factors, such as your goals and how you might respond to ups and downs in your portfolio.  Additionally, the amount of time you have to reach those goals should also be taken into consideration. For example, if you have a long time to reach a goal—like 20 years—you may have a greater appetite for risk. If you have less time to reach your goals, your appetite for risk may be lower and you may want to reconsider your investment options.

Can I choose only investments that correspond to my risk profile's target allocation?

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Because you’re using the Portfolio Builder tool with your You Invest Trade account, you can choose whatever investments you want, even if it falls outside of your risk profile’s target allocation. We’ll alert you that you’re moving outside of your target allocation, but you always make your own investment decisions.

Why do different portfolios have different returns in the chart on the getting started page?

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The different portfolios and estimated returns reflect various risk tolerance levels, based on the underlying investment allocations. This chart is generated by J.P. Morgan’s patented Morgan Asset Projection System (MAPS)®, a proprietary tool we developed to help you compare potential allocation strategies. MAPS helps you compare potential outcomes of each strategy to see which could most likely meet your needs. Learn more about this chart (PDF).

Do I have to buy a security from each asset class?

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You don’t need to purchase a security from each asset class if you don’t want to. We’ll notify you if you change your target allocation by excluding certain asset classes.

Can I buy options or mutual funds in the Portfolio Builder?

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You can only buy ETFs and stocks in Portfolio Builder.

Can I place an order when markets are closed?

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Orders placed when the markets are closed will be queued and executed when the markets open.

Do I have to complete building my portfolio in one sitting?

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We’ll save the portfolio you created for 30 days so you can come back later to execute your trades.

Can I add more securities to my portfolio after I’ve made my initial purchases using Portfolio Builder?

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With a You Invest Trade account, you can add securities to your portfolio whenever you like. From your account dashboard, choose “Investments” and then “Trade.”