BBVA SmartPath Digital Portfolios

BBVA SmartPath Digital Portfolios

in Investment Advisors from BBVA


BBVA SmartPath Digital Portfolios


in Investment Advisors from BBVA

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Minimum Initial Investment $10,000
Management Fee 0.75%

BBVA SmartPath Digital Portfolios Review

BBVA SmartPath Digital Portfolios is a bank founded in 1964 and based in Birmingham, AL.

BBVA SmartPath Digital Portfolios Pros & Cons
The Good The Bad
  • Trades in low-cost ETFs.
  • Access to human advisors.
  • Wide selection of investment options.
  • Broad selection of account types.
  • Competitive investment expense ratios.
  • Tax-loss harvesting not available.
BBVA SmartPath Digital Portfolios FAQ

What fees does BBVA SmartPath Digital Portfolios charge?

BBVA SmartPath Digital Portfolios uses a fee-only model.

This means BBVA SmartPath Digital Portfolios gets paid a flat fee regardless of what financial products or services you use. It also means they have a fiduciary responsibility to their clients. Instead of making money on trades commissions or selling products, they recommend an asset allocation and get paid a flat-fee or a percentage of the assets under administration. That requires that they act in their client’s financial best interest at all times.

BBVA SmartPath Digital Portfolios Fees
Annual Fee N/A
Monthly Fee N/A
Management Fee 0.75%
Fee Based? Yes
Account Transfer Fee N/A
Account Termination Fee N/A
Investment Expense Ratios N/A
IRA Annual Fee N/A

What management fees does BBVA SmartPath Digital Portfolios charge?

BBVA SmartPath Digital Portfolios charges an annual management fee that starts at .75% and ranges up to .75%.

Many financial advisors charge based on how much money they oversee by using a fee-structure called “assets under management,” or AUM. For instance, a 0.40% fee translates to $4 per year for every $1,000 an investment advisor manages. Management fees, also known as maintenance fees, cover the operating costs of investment advisors and are typically deducted from your account every month or quarter. The management fee does not cover the underlying expense ratios of the investment vehicles purchased by investment advisors.

What are the investment expense ratios of BBVA SmartPath Digital Portfolios?

Hiring an investment advisor with competitive investment fees is one of the most important steps to maximizing your portfolio's performance. Investment expense ratios can vary drastically depending on the types of accounts and assets involved. A survey by the ICI puts the average expense ratio for actively managed funds at 0.76% and indexed funds at 0.08%. The investment expense ratios of an investment advisor will vary depending on the type of assets they invest in and whether they attach additional charges to fund fees.

BBVA SmartPath Digital Portfolios does not charge fees based on an investment expense ratio.

What features does BBVA SmartPath Digital Portfolios offer?

Access to human advisors: Robo-advisors are great at keeping costs down and helping investors with modest balances make good investment choices. However, it is also nice to have access to human financial advisors when you need them.

Automatic rebalancing: Having a good balance of investments is important. But a well-balanced portfolio is not something you can set up and forget. Markets are constantly changing and can easily throw your portfolio out of balance. BBVA SmartPath Digital Portfolios allows you to rebalance your investments back to your target asset allocation at set intervals.

What type of investment accounts and asset classes does BBVA SmartPath Digital Portfolios support?

BBVA offers the following types of assets and account types.

Accounts Supported Options
Supported Options Unsupported Options
  • Individual Non-Retirement Accounts
  • Joint Non-Retirement Accounts
  • Traditional IRA
  • Roth IRA
  • Rollover IRA
  • Trusts
  • 529 College Savings Plans
  • Employer Sponsored Plans
  • Custodial Accounts

These are the investment options BBVA offers its clients.

Investment Choices Options
Supported Options Unsupported Options
  • Stocks
  • Options
  • Mutual Funds
  • International Stocks
  • ETFs
  • Futures
  • Bonds
  • Pink Sheets / OTCBB
  • Real Estate
  • Startups
  • Marketplace Loans
  • Cryptocurrencies

What is the minimum amount you have to invest to open an account with BBVA SmartPath Digital Portfolios?

The minimum amount to open an account with BBVA SmartPath Digital Portfolios is 10000.
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Feature Breakdown

Fee Based  
Management Fee 0.75%
Minimum Initial Investment $10,000
Accounts Supported
  • Individual Non-Retirement Accounts
  • Joint Non-Retirement Accounts
  • Traditional IRA
Automatic Rebalancing  
Investment Features
  • Access to human advisors
  • Automatic Rebalancing
Software Managed  

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