Algorithm Based Investing with Blooom

Our Approach

We want to make sure you're invested to your full the smartest funds in your plan with the lowest fees.

Save smarter.

Our method was developed by a Certified Financial Planner™ to optimize your retirement options. Based on decades of market data, we have created the algorithm and technology to optimize IRA, 401a, 401k, 403b, or 457 accounts without moving your money.

Want to save more money without putting more in?

pig with glasses and calculator

The blooom approach to your retirement savings:

Our algorithm generates beyond-human-calculations to identify the right investments for your ideal 401k or IRA.

1. Scrub your options.

We start by taking a look at the options in your account and eliminating the funds that don't make sense for your retirement goals. We aim for index funds (funds that track the market), occasionally using an actively managed fund if it fills a hole you're missing.

2. Crunch the numbers.

Once we've identified the right funds to get you closest to your target allocation, our algorithm will select the ideal investments based on expense and manager experience. Of course, we double-check the results and cross-references with your recommended allocation.

3. Keep an eye on the prize.

Blooom watches your account for any changes to your fund lineup, or account preferences, until it's time for another regularly scheduled rebalance. In the meantime, we make our financial advisors available to you for any questions you might have about your retirement or other finances!

Based on proven results.

Sprout in a flower pot

20+ years from retirement?

You're hip, you're cool. You can handle more ups and downs in the market, knowing long-term returns will likely be higher.

Sprout in a flower pot

Nearing retirement?

Time to play it a little safer, but still optimize returns. Protect a greater percentage of your savings by investing in more bonds.

Common mistakes.

We've analyzed hundreds of thousands of accounts, and found 5 common problems that are easily avoided.

  • Wrong stock to bond ratio
  • Not investing all their money
  • Not meeting the employer match
  • High hidden fees
  • Forgetting to optimize and rebalance
trash can full of crumpled dollars

Ready to grow your 401k and IRA?

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