Investable

Investable serves individual investors who primarily access its payroll-linked automated investing application through employer subscription agreements that make the platform available as an employee benefit. The firm provides automated portfolio management using precurated model strategies and allows clients to link payroll or bank accounts for recurring contributions.

Investable’s investment approach combines passive index ETFs and selected actively managed ETFs that pass a screening process emphasizing fees, liquidity, track record and manager quality, with model portfolios constructed by traditional asset allocation techniques. The firm manages client accounts discretionarily to maintain target allocations, performs ongoing due diligence using institutional research tools, and implements trades through its chosen broker-dealer; clients cannot pick individual securities within the curated portfolios.

Distinctive aspects include its employer SaaS distribution model that often results in covered employees having employer-paid advisory fees, and its relatively small scale for an SEC-registered adviser (under $400,000 in AUM and roughly 80 client accounts). Investable also communicates performance information and client experiences via its platform and website, including hypothetical performance, third‑party ratings, endorsements and testimonials, practices that are less common among similar supported firms.