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.

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.

.60% fee to investors

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