Investment portfolios to match your needs

Diversified portfolios for your retirement savings.
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Target Date Portfolio
Varied risk

Our default portfolio adjusts your investments over time to grow when you’re young and reduce risk as you age, for investors seeking a hands-off approach.

Growth Portfolio
Higher Risk

Aims for long-term growth through higher-risk investments, for investors willing to accept more volatility for potential reward.

Balanced Portfolio
Medium risk

Aims for steady growth and wealth preservation through medium-risk investments, for investors seeking a balance between growth and stability.

Conservative Portfolio
Lower risk

Aims to preserve wealth through lower-risk investments, for investors who prioritize stability.

Climate Portfolio
Higher risk

Aims to support sustainability through investments designed for potential long-term growth and a greener future.

Target Date Portfolio
Varied risk

Our default portfolio adjusts your investments over time to grow when you’re young and reduce risk as you age, for investors seeking a hands-off approach.

Growth Portfolio
Higher risk

Aims for long-term growth through higher-risk investments, for investors willing to accept more volatility for potential reward.

Balanced Portfolio
Medium risk

Aims for steady growth and wealth preservation through medium-risk investments, for investors seeking a balance between growth and stability.

Conservative Portfolio
Lower risk

Aims to preserve wealth through lower-risk investments, for investors who prioritize stability.

Climate Portfolio
Higher risk

Aims to support sustainability through investments designed for potential long-term growth and a greener future.

Portfolios built for retirement

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Built with ETFs powered by State Street
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Switch between portfolios anytime at no additional cost
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Diversified across markets and asset types

How SPY and MDY help

SPY and MDY are two time-tested ETFs from State Street that help power our portfolios.

Institutional expertise

These portfolios use ETFs, carefully chosen to create the right investment balance. ETFs offer instant diversification across thousands of securities and provide exposure to a wide mix of companies, countries, and asset types like stocks and bonds. Their structure is designed to support low fees and tax efficiency, which can reduce the overall cost of investing.

Professionally managed

PensionBee is partnered with State Street, one of the world’s largest asset managers, to provide expertly designed model portfolios. Each portfolio is built using Exchange Traded Funds (ETFs) powered by State Street.

Hear from our customers

Join over 275,000 customers globally who’ve simplified their retirement savings with us. See how we’ve helped them manage approximately $8 billion in assets globally.

PensionBee customer JibreelPensionBee customer Jibreel
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When I see my money in the PensionBee app, it puts me at ease and makes me feel in control.

Jibreel
Customer from Chicago1
PensionBee customer GingerPensionBee customer Ginger
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It’s so easy to rollover old 401(k)s into a new IRA with PensionBee.

Ginger
Customer from Brooklyn1
PensionBee customer JasonPensionBee customer Jason
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PensionBee makes it easy to combine old retirement accounts into one IRA.

Jason
Customer from New York1

About our model portfolios and the ETFs inside them

Invested in some of the world’s largest ETFs

Most of our model portfolios contain the SPY and MDY ETFs, two of the world’s most prestigious ETFs.

SPDR® S&P 500® ETF Trust (SPY)

Established in 1993, the SPDR® S&P 500® ETF Trust (SPY) is the world’s most traded ETF trading 57 million shares a day, on average (Bloomberg, as of December 31, 2024). SPY gives investors cost-efficient, highly liquid exposure to the S&P 500® Index — providing access to 500 of the largest publicly traded US firms. These firms include: Nvidia, Microsoft, Apple, Amazon, Meta, Broadcom, Alphabet, and Berkshire Hathaway.

Learn more about SPYRead the Factsheet

SPDR® S&P Midcap 400® ETF Trust (MDY)

Established in 1995, the SPDR® S&P Midcap 400® ETF Trust (MDY) is a leading ETF with over $20 billion in assets (as of December 31, 2024). MDY gives investors efficient access to the S&P MidCap 400® Index, a benchmark for US mid-sized companies. These firms include: Interactive Brokers Group, EMCOR, Flex Ltd, RB Global, US Foods Holding Corp, Casey's General Stores, and Carlisle Companies.

Learn more about MDYRead the Factsheet

Designed by experts

PensionBee exclusively uses model portfolios and ETFs from State Street. Each State Street ETF Model Portfolio is designed and built by the same State Street team that manages money for central banks, pension funds, sovereign wealth funds, endowments and other large institutions. The team was established in 1982 and consists of over 130 investment professionals in 8 investment centers.

Learn more about model portfolios
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Watch what sets the State Street model portfolios apart

Questions? We’re here for you

Our office is open Monday - Friday: 9:30am-5pm (ET)

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