Step 1
Profile
Risk tolerance, time horizon and goals are mapped to one of our three core portfolios.
Step 2
Allocate
Capital is deployed across asset classes, regions and factors — built from low-cost ETFs, blue-chip stocks and a managed crypto sleeve.
Step 3
Rebalance
NIV monitors drift daily and rebalances when bands are breached, harvesting tax losses and locking in gains.
Sample model portfolios
Three allocations. Built for you.
Conservative
Target return: 5–7% / yr
- Bonds & Fixed Income55%
- Dividend Stocks25%
- Broad ETFs12%
- Cash5%
- Crypto3%
Balanced
Target return: 8–11% / yr
- Global Equities45%
- ETFs (SPY/QQQ)25%
- Bonds18%
- Crypto8%
- Cash4%
Growth
Target return: 12–16% / yr
- Growth Stocks50%
- Tech ETFs22%
- Crypto (BTC/ETH)18%
- Bonds6%
- Cash4%
Allocation simulator
Drag the sleeves to model an allocation. Projection uses long-run historical expected returns per sleeve (illustrative, not a guarantee).
Global Stocks45%
ETFs (SPY/QQQ)25%
Crypto (BTC/ETH)8%
Bonds18%
Cash4%
Total allocation: 100%
Blended expected return9.36% / yr
Starting$100,000
Projected after 10y$244,561
Projected gain+$144,561
Illustrative only. Based on long-run nominal returns: stocks 10%, ETFs 8.5%, crypto 22%, bonds 4.5%, cash 4%. Past performance is not indicative of future results.
The compounding advantage
$100k invested — self-directed average investor vs. NIV-managed Balanced portfolio (illustrative, net of fees).
+138%
20-yr outperformance vs. avg DIY
0.85%
All-in annual management fee
Daily
Rebalancing & risk monitoring
Why proper allocation matters
Risk is contained
Negative correlation between asset classes smooths drawdowns — when stocks fall, bonds and gold often cushion the loss.
Returns are harvested
Disciplined rebalancing sells what is high and buys what is low, mechanically capturing the rebalancing premium.
Tax is optimized
Tax-loss harvesting and asset-location reduce the drag of taxes on long-term returns.
Behavior is removed
Most investors underperform because they panic-sell. NIV's systematic process eliminates emotion.
Get your personalized allocation
Open an account and we'll match you to a portfolio in under 5 minutes.