Plenty begins by understanding who you are, where you are, and your dreams for the future. We then create a plan to help you reach your Goals faster through a saving and investing plan. All your investments are held in a SIPC-insured account. We use treasury products to provide our high-yield cash Goals (because they have a higher interest than the majority of savings accounts), and use algorithmically determined, actively rebalanced investment portfolios in which you hold direct ownership of stocks.

Premium portfolios enable values-based investing and use tax-loss harvesting to try to reduce taxes. For Plenty's disclosures on tax loss harvesting and wash sales, please see Plenty's general disclosures here. 

All investments come with some degree of risk, including loss of your original contribution. Not all investments grow at the same rate, and some investments may have losses. To start, you can easily choose to fund a Goal with Cash+, a low-risk offering 99.5%+ backed by government treasuries.