Keep it simple
Asset-based and tiered fee tables at robo platforms and legacy firms are hard to read on purpose. By not charging them, we keep the whole thing legible.
Clearer investing, built around you
A steadier way to open or grow a portfolio. Personal allocations, a planner on call, and no management fees. No minimums either.
Get started
Moderate Growth
78% equities, 22% fixed income
Enter an investment amount
$82,500
Management fees paid over 10 years
| Cairnwell | 0.00% | $0 |
|---|---|---|
| Robo-Advisors* | 0.28% | $5,112 |
| Traditional Advisors* | 1.05% | $19,184 |
All three fee calculations assume an annualised rate of return of 7.4% and annual contributions of $5,400. Rates of return shown are net of the average management fees displayed. An investor may have outcomes different from what is shown. All investing carries risk.
0% management fees
Layered percentage fees at legacy firms and robo platforms quietly slow your compounding. The worst place to take a fee is out of the money that is supposed to be growing. That is why portfolio management is folded into your membership at no extra cost.
Guidance that keeps pace with your goals
- Portfolios built by professionals, tailored to you
- A dedicated Cairnwell planner at every turn
- No management fees
- No investment minimums, start with $1
- Tax-loss harvesting and automated rebalancing
Investments
$41,208.64
↑ 11.4% this year
My planner
Renata
Let’s talk through your risk tolerance
Our investing view
Investing gets muddled and over-engineered. Our portfolios rest on a few clear, durable principles.
Be goal-oriented
Every goal deserves its own plan. Tell us what you are saving for, your horizon, and what you can add. We build an approach with the right amount of risk.
Be early, be everywhere
We work to cut concentration risk, widen diversification, and get your earnings compounding as soon as the cash lands.
Let markets do the moving
Over long horizons we back a steady approach. We skip complex, costly products and build with broad ETFs, index funds, and low-turnover mutual funds.
Small fees take big bites
A single percent can consume roughly a third of an account’s value across 25 years. We do not bill extra for portfolio management — it sits inside the membership.
Take taxes seriously
Portfolios are shaped around the account type you open, taxable or qualified. Over time the tax saved and reinvested compounds into real money.
Investing involves risk, including the possible loss of principal. It isn't possible
to invest directly in an index. Past performance does not guarantee future results.
Portfolio tracks
Each track is assembled to widen diversification and compound long-term wealth while holding costs down.
Set up and
supported by
your planner
Tailored to
your goals
and timeline
No management
fees, no minimums,
no fine print
Easy, automated
contributions and
rebalancing
Broad
Our globally diversified track, built so your money works harder without working louder.
Impact
A diversified track shaped around environmental, social, and governance screens.
Investing involves risk, including the possible loss of principal. It isn't possible
to invest directly in an index. Past performance does not guarantee future results.
We’ll strike the right risk-reward balance for your particular goals and timeline.
Portfolio track
BroadImpact
Risk preference
5
Together we settle on a bespoke approach built on low-cost, diversified ETFs that reach across global asset classes. We take on the hard parts — constructing the mix, watching the risk — then automate contributions so the balance builds quietly.
Investing involves risk, including the possible loss of principal. It isn't possible
to invest directly in an index. Past performance does not guarantee future results.
Grow
withoutthe noise
Get started
Scale
We watch, manage, and adjust the plan as your life shifts, so the approach shifts with it. We also work to keep taxes and expenses low.
Move forward with a partner
Supported
Your Cairnwell planner helps you start and scale your investing, with advice and support at every step of the journey.
Straightforward
We take on the hard parts — assembling the diversified mix and watching the risk — then automate contributions so wealth builds with ease.
Steady
No investment minimums, no management fees, no fine print. Cairnwell makes disciplined investing reachable and unhurried.
Frequently asked questions
How does personalised investing fit into the Cairnwell membership?
Membership bundles the plan, the portfolio, and the planner. You pay one flat monthly amount and portfolio management is included — there is no separate advisory fee taken out of your balance.
Why might this beat other investing options?
Percentage-based fees grow as your balance grows. A flat membership does not, so more of the compounding stays with you over a multi-decade horizon.
Wait, there really are no management fees?
Correct. Cairnwell charges no asset-based advisory fee. The underlying funds carry their own expense ratios, which we keep as low as we can.
What investment options do I have?
Two tracks — Broad and Impact — each available across eleven risk levels, spanning domestic and international equities plus corporate, municipal, and global bonds.
What are the advantages of Cairnwell over a robo-advisor?
You get a named human planner, not a questionnaire. The allocation logic is comparable; the difference is someone who knows your situation and answers when things change.
How are the investment approaches and portfolios built?
Our investment committee sets the strategic asset mix, reviews it quarterly, and implements it with broad, low-cost index funds and ETFs.
How do the Cairnwell planners help?
They map goals to timelines, set the risk level with you, and revisit the plan whenever your income, family, or horizon shifts.
Can I change my investment strategy over time?
Yes. You can move between tracks or adjust your risk level at any time, and your planner will walk through the tax impact before anything trades.
What kinds of accounts are available to members?
Individual taxable accounts, joint accounts, traditional and Roth retirement accounts, rollovers, and custodial accounts for minors.
What are the expense ratios on Cairnwell portfolios?
Weighted fund expenses currently range from 0.04% to 0.11% depending on your track and risk level. We publish the current figures in the app.
Can I transfer or roll over existing investment accounts?
Yes, in cash or in kind where possible. Your planner reviews the holdings first so a transfer does not create an avoidable tax bill.
I hold stock in my employer. Can I transfer that too?
Usually. We can hold concentrated positions alongside your portfolio and build a measured plan to diversify out of them over time.
Is my money safe?
Assets are held at our third-party custodian in an account titled to you. Investments are not bank deposits and can lose value, but they are never commingled with company funds.