Flit Invest
Values-based ETF investing
Pros & Cons
Pros
- Values-based screening
- Free
- Simple
Cons
- Limited to ETFs
- Small platform
- Niche audience
The Brief
MoneyMade Verdict
FLIT Invest is a genuinely differentiated impact investing app with a low entry point and a strong values-screening framework, but its seed-stage size, limited track record, and layered fee structure make it best suited for mission-driven beginners rather than serious portfolio builders.
FLIT Invest is a U.S.-based impact investing platform founded in 2021 that allows retail investors to build portfolios aligned with their personal values. The platform offers diversified ETF-based portfolios filtered by themes including Climate Action, Gender Equality, Clean Energy, and Social Justice, letting investors allocate capital to companies that meet ESG (environmental, social, and governance) criteria while maintaining diversification across sectors and asset classes. FLIT Invest positions itself as a more mission-driven alternative to mainstream robo-advisors like Betterment or Wealthfront, which offer general-purpose ESG overlays rather than dedicated impact portfolios.
The platform charges a monthly subscription fee that varies by tier, plus underlying ETF expense ratios. Minimum investment is $0 to start (with practical minimums for ETF share purchases), and the platform supports taxable brokerage accounts, Traditional IRAs, and Roth IRAs. FLIT Invest's differentiation lies primarily in its values-first portfolio construction and its transparent reporting on the environmental and social outcomes associated with each portfolio's holdings — a meaningful feature for investors who want to understand not just financial returns but the real-world impact of their invested capital.
Head-to-Head
| Platform | Min | Target Return | Annual Fee | Liquidity | Accredited |
|---|---|---|---|---|---|
| — | Market returns | $0 | Daily | No | |
| — | 4–5.5% APY | No fees | Daily | No | |
| — | 4–5% APY | No fees | Daily | No | |
| — | Market returns | 0–2% premium bond fee | Daily | No | |
| — | 4–7% | No fee on savings | Daily (savings) | No |
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