WISE
by Wealthie
Built for Wealth and Diversification
$15,000 to $750,000
Minimal Fixed Fees
Up to 12.99% Annual Cost Limit
No Monthly Payments
Invest Home Equity For
Your Most Important Asset Could be Limiting Your Future Financial Upside
Many homeowners build wealth through their homes, but relying on home equity alone can mean missing out on other opportunities to grow your money.
For many homeowners, the returns on home equity may not align with their actual financial goals. With the majority of their wealth invested in the home, they may be unable to participate in other investment opportunities that better align with their goals and strategies.
Swap Home Equity for a Diversified Investment Portfolio
With Wealthie, homeowners can swap a portion of their home equity for a portfolio of investments aligned with their financial goals, bringing home equity into modern financial planning.
- No debt
- No monthly payments
- No refinancing
How Did Your Home Compare to the S&P 500 Stock Market Index?
Home equity might not keep pace with inflation or your other financial goals. For those seeking growth or dividend income, diversifying a portion of your home equity can help put you on the wealth-building path you want. Wealthie enables you to diversify your portfolio to help reduce the risk of relying solely on home equity by investing a portion of your home equity in a diversified, managed portfolio.
2000
$
$
You could have made
$0
more if you had invested in the S&P 500*
*This comparison is hypothetical and for illustrative purposes only. S&P 500 returns reflect total return from June of the purchase year through June 2025. Home value inputs are user-provided. Past performance is not indicative of future results. Investing in the stock market involves risks such as market volatility, price fluctuations, and the potential for loss of principal. These risks differ from those associated with real estate or homeownership, which are influenced by factors like property values, local market conditions, and maintenance costs. Each type of investment carries its own risk profile and should be evaluated based on individual financial goals and circumstances. The S&P 500 Index is a widely used, unmanaged index that measures the performance of approximately 500 large-cap U.S. companies.
Align Your Money with Your Life Goals Align Your Money with Your
Life Goals
Wealthie offers a way to put a portion of your home equity toward a managed investment portfolio, while you remain in your home and plan for what's ahead.
- You stay in your home
- You keep control of your future
- Your money works toward your goals
Why Homeowners Choose Wealthie
- No new debt
- No monthly payments
- No need to move
- Diversify beyond real estate
- Designed for long-term planning
Become a Wealthie client
Make Home Equity Work for You
-
Convert a Portion of Equity
Through a Wealth Investment Shared Equity (WISE) agreement, you gain access to a portion of your home's value.
- No monthly payments
- No refinancing
- No selling your home
- Long-term structure
-
Invest for Your Future
Your converted equity becomes an investment portfolio aligned with your goals. This could support:
- Retirement readiness
- Long-term growth
- Greater diversification
- Financial flexibility
Wealthie helps you put your plan into action.
-
Settle Later
WISE agreements settle in the future when you sell, refinance, or reach the end of the term.
- You keep 100% of any investment gains
- Wealthie shares in home appreciation
- No disruption to your lifestyle
The WISE Decision: A Different Path to Wealth
Use Home Equity to Help Reach Your Financial Goals
A Wealth Investment Shared Equity (WISE) agreement enables homeowners to invest a portion of their home equity in safe, simple, and established assets such as an S&P 500 ETF or bond funds, turning idle equity into long-term growth opportunities.
Keep Ownership and Gain Flexibility
You can live in your home and invest at the same time! A WISE agreement lasts up to 30 years. There are no monthly payments, and you can choose when to end the agreement by selling your home or by repurchasing Wealthie's share.
What Is the Wealthie Difference?
WISE
Traditional HELOC/HELOAN
Immediate Cash Needs
$10,000 to $750,000
0.5%-1% Origination Fees
Up to 14.99% Annual Fixed Cost
Monthly Payments
Comparable HEI
Immediate Cash Needs
$15,000 to $600,000
0.5%-6% Origination Fees
Up to 20% Annual Cost Limit
No Monthly Payments
