{"id":18043,"date":"2026-01-14T13:30:45","date_gmt":"2026-01-14T21:30:45","guid":{"rendered":"https:\/\/www.wealthfront.com/blog\/?p=18043"},"modified":"2026-01-14T14:09:06","modified_gmt":"2026-01-14T22:09:06","slug":"what-we-shipped-h2-2025","status":"publish","type":"post","link":"https:\/\/www.wealthfront.com/blog\/what-we-shipped-h2-2025\/","title":{"rendered":"What We Shipped in the Second Half of 2025"},"content":{"rendered":"\n

At Wealthfront, we\u2019re 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\u2019s a roundup of what we shipped in the last six months of 2025 (and the very beginning of 2026).<\/p>\n\n\n\n

We improved your investing experience, including adding new ways to invest<\/h2>\n\n\n\n

Nasdaq-100 Direct<\/h3>\n\n\n\n

The Nasdaq-100 Index\u00ae 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\u00ae and QQQM, but Wealthfront\u2019s goal was to design a new way to invest in the stocks in this index that would also unlock tax savings (which you can\u2019t get by just holding an ETF). Nasdaq-100 Direct<\/a> is a direct indexing product designed to offer similar performance to the Nasdaq-100 Index\u00ae 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%\u2014less than the expense ratio of QQQ\u00ae and QQQM at the time of publication.<\/p>\n\n\n\n

Fractional shares in more accounts<\/h3>\n\n\n\n

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<\/a> and standalone direct indexing portfolios, and you can now hold fractional shares in Automated Investing Accounts<\/a>, IRAs<\/a>, and Automated Bond Portfolios<\/a> too. This allows us to put more of each deposit to work right away\u2014your money doesn\u2019t have to sit around in cash until you have enough to purchase a full share.<\/p>\n\n\n\n

Dividend sweeping<\/h3>\n\n\n\n

Dividend sweeping allows you to automatically sweep dividends from investing accounts into your Cash Account\u2014effectively creating a source of passive income for you. <\/strong>We now offer dividend sweeping for Automated Investing Accounts<\/a>, our Automated Bond Portfolio<\/a>, and standalone direct indexing portfolios. Soon, we\u2019ll be rolling this feature out for our Stock Investing Account<\/a>, too.<\/p>\n\n\n\n

A more seamless Portfolio Line of Credit experience<\/h3>\n\n\n\n

If you have a taxable Automated Investing Account<\/a>, Automated Bond Portfolio,<\/a> or direct indexing account (Wealthfront S&P 500 Direct<\/a> or Nasdaq-100 Direct<\/a>) of at least $25,000, our Portfolio Line of Credit<\/a> 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 3.30% from program banks while you plan your next move. Approval is automatic, and there\u2019s no credit check, no application fee, and no repayment schedule\u2014you\u2019re in charge. Keep in mind that interest accrues daily for the period of time that the loan is outstanding.<\/p>\n\n\n\n

Transaction improvements for the Cash Account<\/strong><\/h2>\n\n\n\n

Better visibility & control of Cash Account transactions<\/h3>\n\n\n\n

We also made Cash Account transactions more seamless through a series of improvements in the second half of 2025. We launched:<\/p>\n\n\n\n