What is PortfolioBuilder?

Need some help getting started on an investment portfolio? We’ve got the tool for you. PortfolioBuilder is a tool for self-directed investors that can help you create a whole ETF portfolio based on your investing style, using asset allocation models.

You know that phrase, “don’t put all of your eggs in one basket”? Well, when it comes to investing, that can be easier said than done. The asset allocation models used in PortfolioBuilder can help show you which baskets to spread your eggs across and how many eggs to put in each, according to the investment style you’ve chosen.

Another feature of PortfolioBuilder is dollar-based investing, which means you aren’t limited to buying whole shares. Instead, whatever amount of money is allocated to a specific ETF will be invested to buy as many shares as possible, including partial shares.

PortfolioBuilder is a flat rate commission trade. That means you pay one commission for an entire portfolio, each time you invest, regardless of the number of ETFs in the portfolio. The commission is distributed across each ETF based on its portfolio allocation amount. So if a single ETF makes up 20% of your portfolio allocation, then 20% of the commission amount will come from that ETF. If you buy more or sell individual ETFs outside of the PortfolioBuilder tool, you’ll be charged online trade commissions.

How do I create a PortfolioBuilder ETF portfolio?

As a self-directed investor, PortfolioBuilder allows you to create a portfolio based on a specific asset allocation portfolio and invest in that portfolio.

  1. Go to the Trade tab, then select PortfolioBuilder (sign in required.)
  2. Select an account (if you have more than one), then choose the Start Exploring button.
  3. Enter the dollar amount you’re considering investing, select an Investment Style, and choose a Fund Family.
  4. Some asset classes may have more than one ETF to choose from. Use the drop down option to select a single ETF for that asset class.
  5. Once you’ve made all your selections, simply select Next to review payment options.

Tip: Depending on the payment option selected, PortfolioBuilder dollar-based orders are next business day trades.

What are my payment options?

PortfolioBuilder allows you to pay for your ETF portfolio with available cash you already have in your account or through an electronic deposit from your financial institution.

Cash Available for Investing

  • This will use cash currently available in your Capital One Investing℠ cash balance.

Checking or Savings

  • With this option, we’ll pull money directly from your checking or savings account.
  • If your PortfolioBuilder orders are created on a business day before 5:00 PM ET, your orders will be placed the following business day.
  • If your PortfolioBuilder orders are created on a non-business day (or after the 5:00 PM deadline), it’s a two day process. First, your payment request will process the next business day, and your orders will be placed the business day after that.

Review your ETF portfolio orders

Before you place an order through PortfolioBuilder, you’ll want to review your selections, as well as read through the individual ETF prospectuses.

  • Select the View link, in the table to read the prospectus of each ETF you’ve selected for your potential portfolio.
  • To change your payment information, select Edit in the funding field of the investment details.
  • To change your Portfolio investment style or ETF selections, select Edit on the upper right corner of the portfolio table.
  • After a thorough review, you can select Create Portfolio. On the next page, we’ll display a confirmation page showing your order status and reference numbers.

Confirmation of your ETF portfolio orders

PortfolioBuilder shows you the status of your orders and provides a reference number for each of the ETF orders you placed.

  • You can select the View Order Status button to see the Order Status page and view the details of the individual PortfolioBuilder ETF orders.
  • If you navigate away from PortfolioBuilder, you can always come back to the Invest tab and select Order Status to review open and pending orders.

When will my PortfolioBuilder trades process?

Buying a portfolio: The estimated investment date is determined by the time orders are created and selected payment option. When you select the Create Portfolio Orders button, trade orders are generated but are not immediately sent to market.

Orders are sent to market beginning at 11 AM ET, Monday – Friday and you should expect to see them posted the same day. When there’s a market holiday orders are sent to market on the next business day, at 11 AM ET.

Purchase time examples:

  • Payment option = Cash Balance

    • If an order is created prior to 11 AM ET on Monday, the purchase executes that same Monday.
    • If an order is created after 11 AM ET on Monday, the purchase executes Tuesday.

  • Payment option = Funds Transfer

    • If an order is created prior to 5 PM ET on Monday, the funds post Tuesday and the purchase takes place that same Tuesday.
    • If an order is created after 5 PM ET on Monday, the funds post Wednesday and the purchase takes place that same Wednesday.

Open orders can be viewed on the Order Status page and cancelled any time prior to being sent to market for trading.

Selling a portfolio: When you place an PortfolioBuilder sell order during normal market hours (9:30 AM to 4:00 PM ET), a market order typically executes and post your account within minutes. When you place a market order during non-market hours, we'll enter the orders when the market opens, so the order executes as soon as possible.

It’s important to remember when trading securities, that trade date and settlement date can vary. Learn more.

PortfolioBuilder ETF Portfolio details

The Details page provides an overview of the ETFs you purchased through PortfolioBuilder as part of your asset allocation portfolio.

  • You’ll see the Target Allocation you selected and the target percentages for each asset class.
  • You’ll be able to see the Current Allocation for each ETF, to see if you’re on target or if things have begun to drift.*
  • To continue investing your ETF portfolio, you can select Invest Now to add money to your existing portfolio.
  • You can also use Invest Now to create a whole new portfolio.

Tip: The Portfolio Details page will only show your current PortfolioBuilder selection. If you’ve previously purchased an ETF that’s not on this list, you can still see it on your My Positions page.

*If you choose you buy or sell individual ETFs in your portfolio, standard trading costs apply. See our Pricing & Rates page.

As a self-directed investor, you must carefully consider the appropriateness of the proposed investments in light of your own personal financial circumstances including cash flow needs, unusual tax implications or other complex or subjective concerns. Additionally, market conditions and your personal financial situation may change – perhaps suddenly or maybe gradually over time. It is up to you to reassess any investment program, including PortfolioBuilder, on a regular basis to ensure that it remains consistent with your current financial resources and investing objectives. Monitoring and adjusting your Capital One Investing℠ investments to suit those changes are your responsibility. If you choose to rebalance your portfolio to address those changes, you are responsible for any costs associated with the transactions.

ETF Investors: You should carefully consider an exchange-traded fund's investment objectives, risks, charges and expenses before investing. For a prospectus containing this and other important information, please visit the fund's detailed quote page, or contact a Capital One Investing Customer Service Associate. Please read the prospectus carefully before investing. Learn more about the differences between mutual funds and ETFs.