Elm's Separately Managed Accounts help solve key investment challenges
Your assets, your account
Elm SMAs are available to US-taxable investors with custody through Fidelity or Charles Schwab. SMAs are maintained under the client’s name and control, with trading access granted to Elm.
Learn More
How Elm SMAs Work
We start by customizing your portfolio through three intuitive dials - your baseline risk level, global market exposure, and how dynamically your portfolio responds to changing market conditions. From there, we systematically manage your portfolio using low-cost index funds, providing tax-efficient rebalancing and optimization while keeping you in control of your assets.
Account Custody
Accounts held at Fidelity, Schwab, and JPMorgan
All assets in client name
Daily liquidity
Funding
Accounts funded with cash or held assets
Tax analysis to help you evaluate the cost/benefit of holding vs selling legacy investments
Account Types
Individual, Joint, Trust, IRA, UTMA, LLC, LTD, and certain self-directed 401(k)s
Minimum SMA Investment
$1mm
Our Fee
0.12% p.a.
Liquidity
Daily
swipe for allocation %
Sample Portfolio Above
This portfolio has a 75% / 25% split between Equity & Fixed Income and a Neutral Global Mix
SMAs with Fully Customized Baselines
Portfolios customized to accommodate investor risk aversion, preferences, and non-Elm investments
Shifting Allocations
From your chosen allocation, the portfolio then systematically adjusts exposures based on expected returns and risk levels according to your preferred level of responsiveness
Weekly Portfolio Rebalancing
We divide each Elm account into four sub-portfolios and rebalance one per week. This results in the full portfolio rebalancing over the course of one month
Automatic Tax Loss Harvesting
Elm automatically checks for and executes Tax-loss Harvesting opportunities weekly