Robo Advisor

Grow your future, together. An app for saving and investing. Built for two.

Investment risk


Min investment


Target return

7% - 10%



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Twine is an app that provides financial advice, automated money management, and empowers you to manage multiple savings goals with a partner. They’re for people who might not have their own financial advisor but want to make better financial decisions to reach their goals, regardless of income or age. Twine is built, developed and powered entirely by innovative technology while leveraging the strength and financial expertise of John Hancock. While Twine isn’t meant to be your sole financial planner, it’s a tool that will move you confidently toward your financial goals.Your Twine portfolio features a diversified mix of exchange-traded funds (or ETFs for short). ETFs are baskets of investments that give you exposure to hundreds of stocks or bonds all at once.

Why Invest

  • An app for saving and investing.
  • Save as a team. Get on the same page with a shared Twine goal.
  • Save in cash or invest in a portfolio with greater growth potential.

How you make money

Stock price appreciation + dividends. For reference: according to historical records, the average annual return from the S&P Index since its inception in 1926 through 2018 is approximately 10%–11%. The average annual return since adopting 500 stocks into the index in 1957 through 2018 is roughly 8%. Adjusted for inflation, the historical average annual return is around 7%. However, it's important to note that each Robo has their own investment strategy that can influence returns.

How Twine makes money

.60% fee to investors

Is it safe?

Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. Apex Clearing Corporation holds all client funds, providing access to Securities Investor Protection Corporation (SIPC) insurance and excess insurance. FDIC insures cash account sweeps up to $250,000 per account, while investment accounts are insured by SPIC against losses incurred due to failed brokerages (not loss due to market movement) for up to $500,000

Things to know

  • You make money onValue + Dividends
  • Fees$0.25
  • Payout frequencyQuarterly
  • Term of investmentZero
  • LiquidityEasy
  • Open toAll Investors


  • Country availabilityUS only
  • Assets under management$1B
  • Established2017
  • Mobile ApplicationIOS, Android

Investment Return Calculator

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Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.


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