Pure Benchmarks · Portfolio Benchmark Report
Is Your Citi Wealth Builder Portfolio Underperforming?
Citi Wealth Builder builds automated portfolios, where the convenience of the wrapper comes with a fee on top of the underlying fund expenses.
Pure Benchmarks ranks real Citi Wealth Builder portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your Citi Wealth Builder portfolio ranks against other real Citi Wealth Builder clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.
Why your Citi Wealth Builder portfolio can lag a pure index baseline
The stacked-fee wrapper. Automated allocation is convenient, but it adds an advisory wrap fee on top of the expense ratios of the underlying funds. Holding the index directly avoids the extra layer, so the wrapper creates a structural drag against the baseline.
What to review on a Citi Wealth Builder portfolio
- Confirm whether the automated layer adds a fee on top of the underlying fund costs.
- Compare the prebuilt allocation with a simple diversified index baseline.
Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.
| Year | Standard managed portfolio | Pure index baseline | Gap |
|---|---|---|---|
| Year 1 | $105,200 | $107,000 | -$1,800 |
| Year 3 | $116,400 | $122,500 | -$6,100 |
| Year 5 | $128,700 | $140,300 | -$11,600 |
| Year 7 | $142,300 | $160,600 | -$18,300 |
| Year 10 | $165,100 | $196,700 | -$31,600 |
See exactly where your Citi Wealth Builder portfolio stands.
One clean report against a pure index baseline. No email required.
See Your Free Benchmark ReportCompare other firms
- Is your Betterment portfolio underperforming?
- Is your Wealthfront portfolio underperforming?
- Is your Acorns portfolio underperforming?
- Is your Empower portfolio underperforming?
- Is your M1 Finance portfolio underperforming?
- Is your Ellevest portfolio underperforming?
New here? Read the Pure Benchmarks blog or the portfolio benchmarking FAQ.
Answer the bigger questions
This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.