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- Managed portfoliosLet us manage your private markets portfolio
- Direct investmentsBrowse available investments
- RetirementAdd private markets to an IRA
Everything you need to know about Willow 360 Managed Portfolios
Willow 360 is our new automated investing solution that builds and manages a diversified private markets portfolio based on your preferences.
It’s designed to help simplify access to private markets by combining highly-diversified funds, thoughtful asset allocation, and professional oversight — all in a single, managed portfolio.
Whether you’re new to private markets or a seasoned investor, this guide breaks down how Willow 360 works, what’s in each portfolio, the role it can play in your broader strategy, and more.
What role does Willow 360 serve in my overall portfolio?
With a traditional public markets portfolio, it’s common for investors to primarily allocate to diversified ETFs and mutual funds that track the markets. From there, they may layer on individual securities for added return potential.
Willow 360 aims to provide the same foundation for private markets, giving you broad exposure to private equity, real estate, and private credit. You can think of this as your “core” private markets allocation, which you supplement with individual Willow Wealth investments.
How is each portfolio allocated?
After completing a brief questionnaire to assess your investment goals and risk tolerance, we will recommend one of three model portfolios — Income, Balanced, or Growth — ranging from lowest risk and return to highest.
You are also free to choose a different portfolio than is recommended.
To seek to achieve each portfolio’s risk and return objectives, each includes varying allocations to credit and equity investments, which we call asset types.
Within each asset type, there are traditional private markets asset classes (e.g., private credit, real estate, and private equity). To give you exposure to each, we’ve partnered with several global asset managers to allocate your capital into the following funds:
Carlyle Tactical Private Credit Fund
Goldman Sachs Real Estate Diversified Income Fund
StepStone Private Markets Fund
We also hold approximately 2% of each portfolio in cash to cover fees and expenses.
Over time, we expect to introduce new funds, boosting your portfolio’s overall diversification.
How are the allocations designed?
We’ve partnered with Wilshire, a leading global financial services firm, to advise on each portfolio’s asset allocation.
Based on Wilshire’s long-term capital market forecasts — how it believes various asset classes will perform in the coming years — Willow Wealth developed the allocations for each portfolio.
Every year, we expect to rebalance each strategy based on Wilshire’s latest forecasts.
After your portfolio has been active for a year, investors are also expected to have the opportunity to change portfolios (e.g., move from “Growth” to “Balanced”).
Can you tell me more about the three funds?
We selected three evergreen private market funds based on strict criteria including minimum fund assets under management of $1B, substantial operating history, and demonstrated expertise in their respective asset classes to serve as the foundation for Willow 360.
Each fund provides exposure to hundreds or thousands of underlying investments, which are actively managed by each sponsor.
Each fund also has at least four years of prior performance that you can review, along with a range of other supplemental materials, on their respective websites.
How do returns work?
Net asset value (NAV)
The underlying assets of each fund are independently valued on a regular basis, with these valuations reflected in your portfolio’s net asset value (NAV).
Think of NAV as similar to a stock’s share price — it can appreciate over time even without cash distributions.
Should you liquidate all or a portion of your portfolio as described below, it is based on your NAV.
Distributions
Your portfolio is also expected to receive regular distributions from the underlying funds according to their established schedules:
During the first year your portfolio is open, all distributions will be automatically reinvested in the interest of compounding returns. After one year, investors can opt to receive cash distributions instead of having them reinvested.
How has Willow 360 historically performed?
We can simulate the historical total return of each of the three portfolios using the performance of the underlying funds. Visit the Willow 360 website to explore the historical performance of each strategy.
In addition, investors can visit each fund’s website for fund-specific historical performance.
How does liquidity work?
Private market investments are inherently less liquid than their public counterparts. Willow 360 is designed with a long-term time horizon in mind and is most effective when potential returns are given time to compound.
With that said, we recognize that investor needs may evolve over time, and offer several liquidity options after your portfolio has been active for one year.
Receive cash distributions
Distributions are automatically reinvested during your first year to help compound your potential returns. After that, you can choose to stop reinvesting and have distributions paid out directly to your preferred bank account.
Partial liquidity
After the one-year mark, you may request to begin liquidating a portion of your portfolio each quarter, in addition to taking distributions.
Full liquidity (i.e., closing your account)
If you request to fully close your Willow 360 portfolio after the one-year mark, we will seek to redeem the maximum allowable amount from each underlying fund on your behalf each quarter.
Based on historical liquidity of the three funds, an investor would have been able to liquidate their entire portfolio within approximately one year. However, the time frame for partial or full liquidity is based on the underlying funds and may change over time.
Please see the advisory agreement for important details relating to liquidity.
How can I monitor my investment’s performance?
Willow 360 provides comprehensive performance reporting through multiple channels designed to keep you informed about your portfolio’s progress.
Net asset value (NAV)
Your portfolio’s NAV updates in real time and is accessible through your Willow account.
Account statements
You will receive monthly statements with a summary of your portfolio’s holdings and NAV.
Commentaries
We will distribute commentaries on each of the underlying investments in your portfolio on a quarterly basis.
What else should I know?
Taxes
Investors are expected to receive a single 1099 tax form at the start of each year for their overall portfolio.
Minimum investment
Willow 360 requires a minimum investment of $25K to get started. While investors are currently unable to contribute additional funds, we are working to add this capability in the near future.
Fees
Willow 360 has an annual flat 1.25% advisory fee and approximately 0.175% in expenses. This is taken from your portfolio’s 2% cash reserve.
What's Willow Wealth?
Willow Wealth enables you to build a private markets portfolio across real estate, private credit, private equity, and more. Our platform provides access to differentiated individual investments and diversified funds, as well as an automated investing solution that handles everything for you. Join more than 500,000 members and start investing today.
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View Willow 360 Managed Portfolios disclosures
View Willow 360 Managed Portfolios disclosures
Investments made on your behalf in a Willow 360 Managed Portfolio are highly speculative and entail substantial risks, including the fact that such investments are illiquid and subject to significant restrictions on transferability and redemption and that all or a substantial amount of the principal invested may be lost. No amount of diversification can eliminate such risks. Investment strategies such as the ones offered for Managed Portfolios may not be suitable for all investors, and potential investors must make an independent assessment of the appropriateness of any investment in light of their own objectives and circumstances.
Willow Wealth Inc. is the direct owner of Willow Asset Management LLC, which is an SEC-registered investment adviser that manages the Willow Wealth funds and provides investment advice to “retail investors” through “Willow 360 Managed Portfolios.”
Willow Wealth Inc. has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of Willow Wealth Inc.are provided by Atomic Brokerage. Custodial and clearing services are provided to Atomic Brokerage by Pershing LLC. Technology services may be provided by AtomicVest. For more details about Atomic Brokerage, please see the Form CRS, Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background of Atomic Brokerage on FINRA’s BrokerCheck. Fees such as regulatory fees, transaction fees, fund expenses, brokerage commissions and services fees may apply to your brokerage account.
Neither Atomic Brokerage, or Willow Asset Management LLC nor any of their affiliates, is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged by Atomic Brokerage and Willow Asset Management LLC.
Willow Wealth Inc. is also the indirect owner of Willow Wealth Markets LLC, which is a broker-dealer registered with the SEC and a member of FINRA and SIPC. Despite its affiliation with Willow Asset Management LLC, Willow Wealth Markets LLC does not solicit, sell, recommend, or place interests in any underlying funds in the Managed Portfolios. All trades with respect to underlying funds in the Managed Portfolios will be effected through Atomic Brokerage LLC, an SEC-registered broker-dealer, with Pershing LLC acting as the custodian as appropriate.
View important footnotes related to performance, returns, duration, and other information about Willow Wealth investments
View important footnotes related to performance, returns, duration, and other information about Willow Wealth investments
1 Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.
3 "Annual interest," "Annualized Return" or "Target Returns" represents a projected annual target rate of interest or annualized target return, and not returns or interest actually obtained by fund investors. “Term" represents the estimated term of the investment; the term of the fund is generally at the discretion of the fund’s manager, and may exceed the estimated term by a significant amount of time. Unless otherwise specified on the fund's offering page, target interest or returns are based on an analysis performed by Willow Wealth of the potential inflows and outflows related to the transactions in which the strategy or fund has engaged and/or is anticipated to engage in over the estimated term of the fund. There is no guarantee that targeted interest or returns will be realized or achieved or that an investment will be successful. Actual performance may deviate from these expectations materially, including due to market or economic factors, portfolio management decisions, modelling error, or other reasons.
4 Reflects the annualized distribution rate that is calculated by taking the most recent quarterly distribution approved by the Fund's Board of Directors and dividing it by prior quarter-end NAV and annualizing it. The Fund’s distribution may exceed its earnings. Therefore, a portion of the Fund’s distribution may be a return of the money you originally invested and represent a return of capital to you for tax purposes.
5 Represents the sum of the interest accrued in the statement period plus the interest paid in the statement period.
6 The internal rate of return ("IRR") represents an average net realized IRR with respect to all matured investments, excluding our Short Term Notes and Structured Notes programs, weighted by the investment size of each individual investment, made by private investment vehicles managed by Willow Asset Management LLCfrom July 1, 2015 through and including March 31, 2025, after deduction of management fees and all other expenses charged to investments.
7 Investors should carefully consider the investment objectives, risks, charges and expenses of the Yieldstreet Alternative Income Fund before investing. The prospectus for the Yieldstreet Alternative Income Fund contains this and other information about the Fund and can be obtained by contacting us or by referring to www.yieldstreetalternativeincomefund.com. The prospectus should be read carefully before investing in the Fund. Investments in the Fund are not bank deposits (and thus not insured by the FDIC or by any other federal governmental agency) and are not guaranteed by Willow Wealth or any other party.
8 You should not construe any information provided here as investment advice or a recommendation, endorsement or solicitation to buy any securities offered on Willow Wealth. The information provided here is of a general nature and does not address the circumstances of any particular individual or entity. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of this information before making any decisions based on such information.
9 Statistics as of the most recent month end.
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No communication by Willow Wealth Inc. or any of its affiliates (collectively, “Willow Wealth™”), through this website or any other medium, should be construed or is intended to be a recommendation to purchase, sell or hold any security or otherwise to be investment, tax, financial, accounting, legal, regulatory or compliance advice, except for specific investment advice that may be provided by Willow Asset Management LLCpursuant to a written advisory agreement between such entity and the recipient. Nothing on this website is intended as an offer to extend credit, an offer to purchase or sell securities or a solicitation of any securities transaction.
Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. In addition, other financial metrics and calculations shown on the website (including amounts of principal and interest repaid) have not been independently verified or audited and may differ from the actual financial metrics and calculations for any investment, which are contained in the investors’ portfolios. Any investment information contained herein has been secured from sources that Willow Wealth believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefore.
Private placement investments are NOT bank deposits (and thus NOT insured by the FDIC or by any other federal governmental agency), are NOT guaranteed by Willow Wealth or any other party, and MAY lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the website. Investors must be able to afford the loss of their entire investment.
Investments in private placements are speculative and involve a high degree of risk and those investors who cannot afford to lose their entire investment should not invest. Additionally, investors may receive illiquid and/or restricted securities that may be subject to holding period requirements and/or liquidity concerns. Investments in private placements are highly illiquid and those investors who cannot hold an investment for the long term (at least 5-7 years) should not invest.
Alternative investments should only be part of your overall investment portfolio. Further, the alternative investment portion of your portfolio should include a balanced portfolio of different alternative investments.
Articles or information from third-party media outside of this domain may discussWillow Wealth or relate to information contained herein, but Willow Wealth does not approve and is not responsible for such content. Hyperlinks to third-party sites, or reproduction of third-party articles, do not constitute an approval or endorsement byWillow Wealth of the linked or reproduced content.
Investing in securities (the "Securities") listed on Willow Wealth™ pose risks, including but not limited to credit risk, interest rate risk, and the risk of losing some or all of the money you invest. Before investing you should: (1) conduct your own investigation and analysis; (2) carefully consider the investment and all related charges, expenses, uncertainties and risks, including all uncertainties and risks described in offering materials; and (3) consult with your own investment, tax, financial and legal advisors. Such Securities are only suitable for accredited investors who understand and are willing and able to accept the high risks associated with private investments.
Investing in private placements requires long-term commitments, the ability to afford to lose the entire investment, and low liquidity needs. This website provides preliminary and general information about the Securities and is intended for initial reference purposes only. It does not summarize or compile all the applicable information. This website does not constitute an offer to sell or buy any securities. No offer or sale of any Securities will occur without the delivery of confidential offering materials and related documents. This information contained herein is qualified by and subject to more detailed information in the applicable offering materials.
Willow Wealth Inc. is the direct owner of Willow Asset Management LLC, which is an SEC-registered investment adviser that manages the Willow Wealth funds and provides investment advice to the Willow Wealth funds, and in certain cases, to retail investors.Willow Wealth Markets LLC is an indirect subsidiary of Willow Wealth Inc..Willow Wealth Markets LLC is a broker-dealer registered with the Securities and Exchange Commission (“SEC”) and a member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). Information on all FINRA registered broker-dealers can be found on FINRA’s BrokerCheck. Despite its affiliation with Willow Asset Management LLC, Willow Wealth Markets LLC has no role in the investment advisory services received by Willow Wealth clients.
Willow Wealth is not a bank. Certain services are offered through Plaid, Eisen and Footprint and none of such entities is affiliated with Willow Wealth. By using the services offered by any of these entities you acknowledge and accept their respective disclosures and agreements, as applicable.
Investment advisory services are only provided to clients of Willow Asset Management LLC, an investment advisor registered with the Securities and Exchange Commission, pursuant to a written advisory agreement.
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