• Kate Lacroix


So you want to sign up for Stocked but you have yet to have the conversation with your partner. What's the big deal, you are, after all, the keeper of the grocery budget? Technically, you could just transfer what you save each month into your Ellevest account and no one would be any wiser.

Here's why I think you need to talk:

A huge part of taking charge of your investment life is feeling empowered. Secrets between spouses don't empower anyone...and you pilfering money from the grocery cash is the stuff of a 50's housewife. That's just the old thinking we're trying to leave behind.

So sit them down and tell them the plan. If you are a family of four, and you save $4800 a year, investing that amount in a diversified portfolio over 20 years could net you $169,279 or more in the majority of market scenarios.* Then watch them hug you and offer to make dinner tonight. Tell them you have that in the bag too, but they can certainly rub your feet while you watch Netflix.

*We assume this woman’s investment account starts with a $0 balance and she makes monthly contributions equal to 8% of her $60,000 salary which grows in accordance to a women-specific salary curve provided by Morningstar Investment Management LLC, a registered investment advisor and subsidiary of Morningstar, Inc. The account is invested in a low-cost, diversified portfolio that begins at 91% equity and becomes more conservative as she approaches her goal date. We use Monte Carlo simulation—a forward-looking, computer-based calculation in which we run portfolios and savings rates through hundreds of different economic scenarios to determine a range of possible outcomes, and the results shown reflect a 70% likelihood of achieving $166,279 or better, and include the impact of an Ellevest advisory fee of 0.25%, taxes, and inflation. Forecasts or projections of investment outcomes in investment plans are estimates only, based upon numerous assumptions about future capital markets returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.



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