Invest with confidence
Unlock the power of direct indexing with an Atomic Automated Investment account. Achieve your goals with automated portfolios that meet your needs and align with your values. Customize, personalize, and invest with confidence - all in one place.

Why choose an Atomic Automated Investment account
1Customization
Customize your portfolio to match your financial goals, personal values, and risk tolerance.
2Direct indexing
Ditch the one-size–fits-all funds and let Atomic do the work. With direct indexing, you can customize your portfolio by choosing to add or remove individual stocks based on your preferences, goals, and risk tolerance.
3Tax efficiency
Maximize your portfolio’s tax efficiency with tax-loss harvesting1. Work towards reducing your tax burden and boosting your after-tax return.
NERDY TIP 🤓
Unlike traditional ETFs and Index Funds, with Atomic’s direct indexing you can add or remove individual stocks for maximum personalization to reflect your goals and values.
How does the Atomic Automated Investment account work?


Define your investment strategy
Set your investment timeline, your risk tolerance, and values and let Atomic build a portfolio that reflects your priorities.
Customize your portfolio
Make it your own—remove stocks you don’t want and adjust preferences anytime. Personalize with ESG options such as clean energy and sustainable practices.
Let Atomic do the work
Atomic will build, monitor, and re-balance your portfolio for optimal performance and built-in tax-loss harvesting to maximize your portfolio’s tax efficiency.

FAQs
What is an Atomic Automated Investment Account?
The Atomic Automated Investment account gives you access to a tailored investment portfolio of equities and ETFs for international equity and fixed-income exposure designed to match your financial goals. You provide information about:
- Your investment goals - Are you considering buying a house, planning for retirement, or something else? Your investment goals will contribute to which investment strategy is right for you.
- Your time horizon - When will you need the money in your portfolio?
- Your risk tolerance - Are you comfortable riding out market ups and downs, or do you prefer a more stable approach? A strategy may not be right for you if you can’t sleep at night.
- Your values - Do you want your investments to align with environmental, societal, and governance (ESG) principles?
What is direct indexing?
Direct indexing is an advanced investment strategy that allows you to directly own the stocks that comprise an equity index. You can add or remove any stock from your portfolio for maximum personalization. This strategy allows you to have more control and flexibility over your investments, and can offer advanced tax benefits through tax-loss harvesting to help boost your after-tax returns. Learn more about direct indexing.
What is tax loss harvesting?
Tax-loss harvesting reduces taxable gains by selling assets at a loss and replacing them with similar assets. This approach can lower your tax bill while maintaining your portfolio’s overall strategy.Losses on investments can be valuable because investment gains can be taxed anywhere from 15% to nearly 50% depending on your income and where you live. This means that for every $1 gain you offset, you can add anywhere between 15 - 50 cents back into your wallet. Learn more about tax-loss harvesting.
How is direct indexing different from ETFs, Index Funds, or Mutual Funds?
Direct indexing is not a one-size-fits all approach like ETFs or Mutual Funds. Unlike mutual funds or ETFs, where a pool or basket of stocks is held by multiple investors, direct indexing allows investors to directly own the stocks in a portfolio that comprise an index.
What is the minimum investment amount required to open an Atomic Automated Investment account?
There is no minimum investment amount required to open an Atomic Automated investment account.
Does the Atomic Automated Investment account allow self-directed purchasing of individual stocks and bonds?
No. While your portfolio includes individual stocks through direct indexing, it’s not self-directed. For self-directed investments, consider opening a brokerage account.
What fees are associated with the Atomic Automated Investment account?
For providing investment services, Atomic Invest charges 0.25% annually6. NerdWallet+ members unlock a lower fee of 0.18% annually6. This amount will be deducted from your Atomic Automated Investment account on a monthly basis. Learn more about NerdWallet+.
Are the funds I invest in the Atomic Automated Investment account protected?
Atomic Brokerage LLC is a registered broker-dealer and member of FINRA and SIPC (Securities Investor Protection Corporation). The SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. Unlike FDIC insurance, which protects deposits in banks; SIPC coverage is specific to brokerage accounts holding stocks, bonds, and other securities. However, SIPC does not cover losses from market declines or bad investments. Instead, it protects against the loss of funds or securities held in a brokerage account if the broker dealer goes bankrupt or mismanages customer assets.
1Tax-loss harvesting is applied at the discretion of the portfolio manager, Atomic Invest LLC, primarily with respect to determining when assets in a client's account should be bought or sold. Assets may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-loss harvesting strategy applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction. Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Atomic Invest LLC does not represent that any particular tax consequences will be obtained. Tax-loss harvesting involves certain risks including unintended tax implications. Clients should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.2The total combined maximum rewards amount is $599, which may change without notice. Rewards may be subject to different terms, and additional qualifying actions may be required. See full terms for details.3All eligible products require partner approval. See partner terms and conditions before applying.4The annualized yield for a Treasury Bill (“T-Bill”) maturing
in one month as of
when held to maturity is undefined%. Rate shown is
gross of fees. Annual percentage yield (APY) is the nominal interest rate
of the T-Bill maturing in one month with 12 compounding periods per year.
Annualized yield and APY are investment characteristics of the T-Bill and
should not be regarded as performance or a projection of performance of
any Treasury account. The effective return on T-Bills will be reduced by
fees which has a compounding impact on returns over time. T-Bill yields
may vary based on dates of issuance and maturity. The value of T-Bills
fluctuates and you may receive more or less than your original investment
if sold prior to maturity. T-Bills are purchased at a discount to par,
with the price being subject to market fluctuation. The amount of T-Bills
available at a particular yield will depend upon the sellers’ offer size;
any remaining cash balance after the purchase may not earn the same yield.
In general, the bond market is volatile, and fixed income securities carry
interest rate risk. Fixed income securities are subject to increased loss
of principal during periods of rising interest rates. Fixed income
securities also carry other risks, including inflation risk, liquidity
risk, call risk, and credit and default risks for both issuers and
counterparties. The Atomic Treasury account is a managed account that
seeks safe, low-risk returns on your investment by investing in short-term
T-Bills. Before investing, you should consider whether the strategy is
consistent with your overall financial situation, risk tolerance and
goals.5Income earned on Treasury Bills is exempt from state and local taxes, but taxable by the federal government.6How are fees collected: The annual investment advisory fee varies by level of NerdWallet membership. Members of NerdWallet+ are charged an annual investment advisory fee of 18 basis points (or 0.18%) while non-members will be charged 25 basis points (or 0.25%) annually. Fees will be accrued daily and collected monthly in arrears or, if you terminate your account before a month-end, the investment advisory fee will be prorated through the Account termination date. Investment advisory fees will also be prorated based on additions or withdrawals to the Account during the applicable billing period. Investment advisory fees will be based on the market value of the securities as determined by Atomic Invest, including any cash in your account at the end of each business day, as of the close of trading on the New York Stock Exchange (“NYSE”) or as of the immediately preceding close of the NYSE for days when the NYSE is closed. Any cash balance in your account will be held in a money market fund.An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Yields fluctuate and past performance is no guarantee of future results. The investment objectives, risks, charges, expenses and other information about the money market fund are found in the fund’s prospectus.