We are on a mission.
108 million Americans don't invest in the stock market, missing important financial opportunities. Investable was founded to give more people more access to a stable, thriving financial future.
SEC-registered investment advisor
Personalized, goal-based investing as a benefit.
Want to learn more about Investable — what we do, how it works, and why it matters? Watch our 2-minute video.
Invest directly from your paycheck
The no-fee way to build wealth with every paycheck.
Want to learn more about Investable — what we do, how it works, and why it matters? Watch our 2-minute video.
SEC-registered investment advisor
No ERISA liability
Payroll-integrated
Bank-grade security
Built for life goals
SEC-registered investment advisor
No ERISA liability
Payroll-integrated
Bank-grade security
Built for life goals
The benefits gap
Employees want to invest. They just don't know where to start.
Investable was founded on a simple observation: the biggest barrier to wealth isn't income—it's access and inertia. Most people don't invest not because they can't afford to, but because nobody made it easy.
38%
of Americans lack investments in the stock market, contributing to a prosperity gap.
Calculated from Gallup, “What Percentage of Americans Own Stock?” (updated May 5, 2025).
401(k) isn't the whole picture.
Most financial stress isn’t about retirement—it’s about the next 1-10 years. Traditional 401(k) plans don’t address this reality due to lack of liquidity and withdrawal penalties.
Financial literacy gaps persist.
Investable comes with built-in education. Employees learn as they invest—building financial literacy and confidence as they experience the benefits of investing.
Tom Y.$2,937 6%
Tanya R.$4,130 8%
Mike D.$12,453 2%
Monica G.$10,398 4%
Marcus K.$8,927 5%
Carol C.$2,465 8%
Tom Y.$2,937 6%
Tanya R.$4,130 8%
Mike D.$12,453 2%
Monica G.$10,398 4%
Marcus K.$8,927 5%
Carol C.$2,465 8%
Individuals, portfolio values, and returns are fictional and for illustrative purposes only.
The Investable difference
A workplace benefit that employees will love
Most employers offer a 401(k). Almost no one offers a post-tax brokerage account as a benefit, leaving employees without a vehicle for short-term wealth building. Investable closes that gap.
Practical and important
A modern financial wellness benefit designed for real-life goals.
Zero ERISA burden
Employers do not assume ERISA fiduciary liability.
Improves retention
Helping employees reach real financial goals drives stability, engagement, and loyalty.
Predictable economics
Simple, transparent fees with an optional employer match—all at a lower cost than the 401(k).
Applied financial literacy
How it works for employees
Employees choose a contribution amount from their paycheck and a risk profile that matches their goals. Investable handles everything else—no ongoing decisions required.
A clean mobile dashboard shows portfolio value, contribution history, goal progress, and performance—all in one place. Employees stay informed without feeling overwhelmed.
Automatic, regular investing lets savings grow over time through compounding—turning small paycheck contributions into meaningful long-term wealth with no active management required.
Unlike a 401(k), there are no lock-up periods or withdrawal penalties. Employees can access their money whenever they need it—for an emergency, a down payment, or any life goal.
Goal-based savings & investing
Save for what matters, not just for someday
Help employees build liquid funds for emergencies, milestones, and everyday life goals. They set goals, track progress, and celebrate milestones — all in one place.
See how it works
Full flexibility
Their money, always within their reach
100% liquidity with no withdrawal penalties—no lock-up periods, no surprises. Employees stay in control of their savings and can access their money when they need it.
Who we serve
Lower financial stress
Less stress at home means more focus at work
Clear goals and progress tracking help employees feel more confident and in control of their finances. When they feel financially secure, they show up more focused, more engaged, and more loyal.
Explore resources
Fiduciary-led management
Professionally managed & accountable
Investments are professionally managed by an SEC-registered investment advisor, legally obligated to act in your employees' best interests, not our own.
How we invest
Pricing & plans
A flexible model that meets your needs
Starter
- Eligible employees
- 1–250
- Monthly rate
- $6.00 PEPM*
- AUM fee**
- 0.25% Annually
Growth
- Eligible employees
- 251–1,000
- Monthly rate
- $5.50 PEPM*
- AUM fee**
- 0.25% Annually
Enterprise
- Eligible employees
- 1,001–10,000+
- Monthly rate
- $5.00 PEPM*
- AUM fee**
- 0.25% Annually
*PEPM: Per Eligible Employee Per Month
**Charged monthly (0.0208% of total assets under management per month)
Frequently asked questions
Still have questions? Check out our Help Center or contact us.
Access a real-time dashboard for participation, deferral rates, and plan health—plus benchmarking tools to support internal ROI reporting and compliance. Employers pay a simple per-employee monthly fee with no setup costs or hidden charges.
We integrate with major payroll providers via API or secure file transfer. Employees set a contribution amount and Investable handles the rest—deductions flow automatically from each paycheck into their brokerage account.
None. Because Investable is an SEC-registered investment advisor acting as the fiduciary, your company does not take on ERISA obligations. You're simply offering access to a licensed financial service—similar to offering a gym discount.
A 401(k) is a pre-tax retirement account with strict withdrawal rules. Investable is a post-tax brokerage—money goes in after tax, grows in a diversified portfolio, and can be withdrawn anytime without penalty. They complement each other perfectly.
The account belongs to the employee, not the employer. When they leave, automatic contributions stop but the account stays with them. They can continue managing it independently or transfer it to another brokerage.