At Wealthfront, we’re always working to offer you more and better ways to build wealth on your own terms, and the second half of 2025 was no exception. Here’s a roundup of what we shipped in the last six months of 2025 (and the very beginning of 2026).

We improved your investing experience, including adding new ways to invest

Nasdaq-100 Direct

The Nasdaq-100 Index® is popular with investors for its focus on innovative companies across sectors including technology, healthcare, communications, and more. Investors have long been able to get exposure to it with index funds like QQQ® and QQQM, but Wealthfront’s goal was to design a new way to invest in the stocks in this index that would also unlock tax savings (which you can’t get by just holding an ETF). Nasdaq-100 Direct is a direct indexing product designed to offer similar performance to the Nasdaq-100 Index® and unlock tax savings through our Tax-Loss Harvesting. The minimum to get started is $5,000, and our low annual advisory fee is just 0.12%—less than the expense ratio of QQQ® and QQQM at the time of publication.

Fractional shares in more accounts

Fractional shares let you invest in a partial share of a stock or ETF instead of a whole one. They were already available in our Stock Investing Accounts and standalone direct indexing portfolios, and you can now hold fractional shares in Automated Investing Accounts, IRAs, and Automated Bond Portfolios too. This allows us to put more of each deposit to work right away—your money doesn’t have to sit around in cash until you have enough to purchase a full share.

Dividend sweeping

Dividend sweeping allows you to automatically sweep dividends from investing accounts into your Cash Account—effectively creating a source of passive income for you. We now offer dividend sweeping for Automated Investing Accounts, our Automated Bond Portfolio, and standalone direct indexing portfolios. Soon, we’ll be rolling this feature out for our Stock Investing Account, too.

A more seamless Portfolio Line of Credit experience

If you have a taxable Automated Investing Account, Automated Bond Portfolio, or direct indexing account (Wealthfront S&P 500 Direct or Nasdaq-100 Direct) of at least $25,000, our Portfolio Line of Credit lets you borrow up to 30% of your portfolio value at a low interest rate and receive the money in as little as one business day. Now, you also have the option to send those funds directly to your Wealthfront Cash Account so they earn an industry-leading APY of 3.25% from program banks while you plan your next move. Approval is automatic, and there’s no credit check, no application fee, and no repayment schedule—you’re in charge. Keep in mind that interest accrues daily for the period of time that the loan is outstanding.

Transaction improvements for the Cash Account

Better visibility & control of Cash Account transactions

We also made Cash Account transactions more seamless through a series of improvements in the second half of 2025. We launched:

  • Transaction search, so you can track down specific transactions in your account much more easily
  • The ability to export your Cash Account transactions to CSV 
  • Real time notifications for debit card transactions, for both individual and joint accounts
  • An improved Cash Account withdrawal experience, including higher, personalized withdrawal limits of up to $1 million for qualified clients  
  • Easier, faster wires so it’s even simpler to get your money to wherever it needs to go

Coming soon

Here’s a look at what’s up next.

  • Expanded access to Wealthfront Home Lending in CO, TX, CA, and additional states: We launched early access for Wealthfront Home Lending in both Colorado and Texas in 2025, and we launched early access in California in early 2026. Later this year, we’ll launch to all clients in those states, with more states coming soon. What can you expect from Wealthfront Home Lending? We’ll use technology to minimize costs and streamline the mortgage process so you can easily access a low rate, whether you’re purchasing a home or refinancing one you already own. And because it’s Wealthfront, you don’t have to worry about dealing with pushy sales calls or hidden lender fees—instead, you’ll get a digital experience optimized for web and mobile (although you can always talk to a person if you want to). You can join our waitlist to stay in the loop and learn more.
  • Improvements to the Stock Investing Account: Our Stock Investing Account already offers a seamless, no-commission way to invest in individual stocks and ETFs with a minimum of just $1 and built-in data and perspectives. But in the coming months, we’ll be rolling out improvements to make the account experience even better. We’ll add:
    • The ability to reinvest or withdraw your dividends 
    • More stocks and ETFs to choose from
    • A simpler way to search for stocks

2025 was a big year at Wealthfront, and we hope you’re as happy with these new offerings as we are. In addition to expanding our cash and investing offerings, 2025 is also the year we became a public company, and we’re excited to accelerate how quickly we can deliver new products and improvements for you. We can’t wait to share even more with you in 2026!

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Disclosure

The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as a solicitation or offer, or recommendation, to buy or sell any security or to open any account.

Nasdaq®, Nasdaq-100 Index®, NDX®, and Nasdaq-100® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Wealthfront Advisers LLC. The Product(s) (“Wealthfront Nasdaq-100 Direct Index”, “Wealthfront Nasdaq-100 Direct”, “Nasdaq-100 Direct”) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Nasdaq-100 Direct allows clients to hold individual stocks in the Nasdaq-100 Index®, but it may not hold all the stocks in the index. As a result, its performance may deviate from that of the Nasdaq-100 Index® due to tracking error, market conditions, and the limitations of Tax-Loss Harvesting. Account size and customization options, such as excluding individual stocks, may affect the portfolio’s ability to track the Nasdaq-100 Index®

Tax-Loss Harvesting benefits vary depending on the client’s entire tax and investment profile. The performance of new securities purchased may be better or worse than those sold. The strategy could introduce portfolio tracking error, meaning the portfolio’s performance might slightly diverge from its intended benchmark. There may also be unintended tax implications. Wealthfront does not provide tax advice. Consult a tax professional for your specific situation.

Investing in fractional shares allows you to own a portion of a share for a specific dollar amount, making higher-priced stocks more accessible and enabling portfolio diversification with less capital. However, there are important factors to consider compared to investing in whole shares.

Dividends are not guaranteed and can fluctuate. Tax treatment of dividends depends on individual circumstances and tax laws, and may be subject to change.

Portfolio Line of Credit (PLOC) is a margin lending product offered exclusively to clients of Wealthfront Advisers by Wealthfront Brokerage. You should consider the risks and benefits specific to margin when evaluating your options. View important risks and considerations here.

Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers Wealthfront Individual Cash Accounts opened prior to July 15, 2025, Green Dot account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.

Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Individual Cash Accounts opened prior to July 15, 2025, all Wealthfront Individual Cash Accounts opened on or after July 15, 2025, and Wealthfront Joint Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.

Clients will typically have a daily withdrawal limit that starts at $50,000 and can go up to $1,000,000, determined by Wealthfront Brokerage LLC based on various factors. For joint accounts, the higher of the two clients’ limits will apply to the joint account and will be impacted by withdrawal activity from the client with the higher limit across any of their accounts. Your daily limit may change over time. Federal tax payments have an additional daily limit of $1,000,000.

Wealthfront does not charge for wire fees to title and escrow companies and accounts you own at other institutions, but the receiving entity or institution may charge a fee. For more information about wires, visit www.wealthfront.com/legal/online-transfer-agreement.

All mortgage products are offered by Wealthfront Home Lending, LLC NMLS 2358115

Home loan availability will be subject to credit approval and applicable state and federal licensing requirements. Rates vary based on credit profile, loan terms and market conditions. Not all applicants will qualify for the lowest advertised rates. This communication is for information purposes only and does not constitute a solicitation for a loan or an offer to lend or extend credit. Equal Housing Opportunity.

The Stock Investing Account is a limited-discretion investment product offered by Wealthfront Advisers. Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser and brokerage products and services are provided by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), member FINRA/SIPC. 

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. Please see our Full Disclosure for important details. 

Wealthfront Advisers, Wealthfront Brokerage, and Wealthfront Home Lending, LLC are wholly-owned subsidiaries of Wealthfront Corporation.

Copyright 2026 Wealthfront Corporation. All rights reserved.

About the author(s)

Dave Myszewski is the Vice President of Product at Wealthfront where he oversees product development, consumer research, and client support. Prior to Wealthfront, Dave worked at Apple for 12 years including an engineering role on the first iPhone. Dave holds an MS and BS in Computer Science from Stanford University.