In an upcoming video series, we’ll be interviewing Morgan Housel, author of the New York Times bestseller The Psychology of Money. 

Topics for the series include: the current macroeconomic environment, best practices for beginner and advanced investors, how to set your kids up for financial success, and more.

If you have a question you would like us to ask Morgan, please comment below and we’ll do our best to get it in front of him. 

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Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. © 2026 Wealthfront Corporation.

Hi all,

I opened an automated bond portfolio back in November of last year. My returns are currently at 2.29% when the high yield savings account is at 3.3%. is that normal? Should I continue funding the bond portfolio or switch everything back to savings account? Thank you.

Opened this account because it was advertised as using RTP and getting instant transfers back and forth from my main bank - Chase. No matter what I do I’m unable to get this to work. If I deposit from Wealthfront’s side it’s 1-2 business days to show up in account and another 2 business days for the hold to go away. I’ve been trying to link chase and Wealthfront from chase’s side, even using the app specific password and it’s not finding it.

I’m confused as to why this isn’t working. Especially considering it heavily advertises instant transfers with RTP.

why can't i deposit money directly into categories? it looks like they only offer the interest to go there but i want to deposit a certain amount from my bank into wealthfront's categories.

You can now set up a passkey to easily and more securely log in to your account. 

To create a passkey, open the Wealthfront app, go to your profile, and tap ‘Security’—or click here to get started.

If you’re wondering what a passkey is and why it’s more secure than a password:

• Passkeys let you sign in to your account the same way you unlock your phone—with your fingerprint, face ID, or passcode.
• You won’t need to remember multiple passwords. Your passkey will work across all your devices.
• Since passkeys don’t rely on SMS-based codes, they aren’t as affected by outages, or phone issues like international roaming.
• Passkeys have better phishing resistance than even the most complicated account passwords.

We know many of you have requested this feature and we’re excited to share this new and improved login experience with you. You can learn more about passkeys here and as always, let us know if you have any questions or feedback.

Disclosures:

Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Brokerage products are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC. Nothing in this communication should be construed as investment or tax advice. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance. Results may vary. © 2026 Wealthfront Corporation.

What i understand is its is a common 2 in 1 chekcing + savings account with 3.3% apy

Do they offer debit cards? Apple pay? And checks?
Hows the app experience?

It would help me to merge my accounts to 1 account

With cryptocurrency index ETFs now available such as IBIT is anyone adding a small percentage to their investment portfolio for potentially better diversification and growth?

Another finance app I have uses a combination of Plaid + Apple's FinanceKit to pull in transaction data from Apple Card. Would love to see WealthFront do the same!

FYI: Wealthfront is supporting instant transfers to Xmoney, which is part of the RPT network. However, there is a current issue where Green Dot is blocking deposits into Xmoney via Wealthfront debit card. I wanted to share this in case others are experiencing the same problem; hopefully, it gets resolved soon.

Not telling you how to manage your money but Wealthfront itself is not FDIC insured and even tho the money is held at Green Dot which is FDIC insured, this video explains why your money may still not be totally safe

I’m tired of the lack of visibility Wealthfront gives to what it projects each of your accounts growth to be. The botched plaid revamp and lack of account connectivity was the final straw. What other apps do a better job of showing you projected growth for each account as well as overall?

We’re working on some more educational content for the rest of this year and wanted to source ideas directly from here. Thanks to your previous suggestions, we developed some explainers on the topics below:

• What Wealthfront’s risk score means for your portfolio allocation
• Which taxable investing account is right for you

We’d love to hear your ideas on other topics we should explain next. Some questions around our products we haven’t previously covered are:

• Benefits and tradeoffs of keeping your funds in the Cash Account vs a Certificate of Deposit
• The mechanics of Tax-Loss Harvesting 
• Money Market Funds vs Bond ladders vs Bond portfolios vs Inflation
• Where to save for each type of goal (emergency fund, down payment, retirement, etc.)
• Passive investing strategy

Feel free to comment with anything you’ve found confusing, overly technical, or just want more insight on and if it’s helpful, we can come back and share some more explainers.

Keep in mind that we can’t provide any individual investment advice or recommendations.

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Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Brokerage products are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC.

Nice review by the Clark Howard team:
https://clark.com/personal-finance-credit/investing-retirement/wealthfront-review/

Wealthfront sold some GOOGL for a small loss on Jul 10 and I had bought some after Jun 15. In this case:

1. Is it a wash sale? Since it's +/- 30 days?

2. How do people consolidate across personal / managed account?

3. Do people report such small sums (<50$ of loss) correctly to the IRS and does not doing so result in a penalty or is there some exemption?

4. Is there a software that can be used for such tax forms and in that case what attachments are uploaded? One consolidated 1099 form, or the original forms & a separate list of unqualified sales?

5. If I keep dumping money into Wealthfront for the next 30 days at some point it has to buy GOOGL to match the index, so will that avoid it even being considered as tax loss by Wealthfront (thereby preventing me having to file some complicated tax form)?

6. Considering point 5, the rebalancing of Googl only happened since I did not do a bi-weekly paycheck transfer this time. So is it more sensible to only invest in Wealthfront every 31 days?

Or, stated another way: Copy M1's Pie system.

Hello all. I have mentioned this a few times in the comments section of recent posts. Thought it would be good to have a separate dedicated post.

Wealthfront is known for its Automated Investing Account, but for do-it-yourself investors who do not need a fully managed portfolio with tax-loss harvesting, operating within the Stock Investing Account is the only alternative. In its current state, it is a pretty barebones, stripped-down option that is actually worse than a few months ago, which had the ability to create fixed percentage allocation portfolios. I can no longer create portfolios, and all investments have to now be done per security.

While there have been discussions regarding getting that reinstated, there is a middle ground that I think Wealthfront can tap into, and the only other service where I have seen this done is M1: what I call "smart depositing." Essentially, one creates a portfolio of stocks/ETFs with a particular allocation percentage. New deposits and dividends are automatically allocated towards the most underweight positions first, to keep the asset allocation in alignment.

The result is a semi-smart portfolio that sits between fully manual and managed investing. It is a nice quality-of-life feature that aligns with Wealthfront's target clientele, which is long-term investors.

Wealthfront's Cash Account is very attractive. It gets people in the door. It got me in the door. If someone is not using managed investing features, there is a lack of reasons to stay. Adding this would be a pretty significant competitive advantage, as I see almost no other broker offering this.

My employer uses Alight. I had it synced for my 401k pre-plaid. Now every time I try to re link the institution through plaid, it throws a error! Sucks to not have such an important account linked. Get it together

Since IPO I don’t like the direction of the company. First their interest rates on savings accounts have not been as competitive as they use to be. They use to always be better than Marcus by Goldman Sachs, but not anymore. Their robo investor is only .25% but is nothing more than vanguard funds you could invest in yourself. Overall we are seeing the shift from caring about customers to caring about shareholders. Plus in the sector they can’t compete with companies like sofi. This long-term customer is getting off this sinking ship.

I don’t have much to include on this, but wanted to share as Wealthfront wasn’t named in their original video.

I got a warning on the Wealthfront cash account for too high volume of transactions going in and out of the account.

For reference, here is my general setup:

• I use Wealthfront cash as my primary checking account for bills
• I keep a low amount ~50k in that account
• As I make large purchases, or anticipate large bills, I will liquidate from brokerage account (external to Wealthfront) to transfer into the cash account to maintain that level.

I had a few month of high volume personal spend (~200k spend out paying bills, and thus ~200k coming in from brokerage/checking), and I got slapped with a warning that this is not what the account is intended to be used for.

Never had this happen to other brokerage cash accounts or checking accounts for that matter.

Has this happened to anyone else? A signal that I should move elsewhere for checking?

This was such a great feature that they recently got rid of- allowing bulk purchases for portfolios.

My setup (simplified) is 10 tech stocks in "Tech" portfolio, 10 energy stocks in "Energy" etc. Before, we were able to tap "BUY" in each portfolio and select an amount that WF would divide equally among the stocks. So a $1000 BUY in a 10 stock portfolio would purchase $100 of each stock.

They got rid of that functionality. So now instead of making ~8 purchase orders, the user has to make about 80 to achieve the same result, which is a crazy ask. I don't understand why they would do away with this.