How It Works
Your wealth deserves better than sitting idle. Mattress Money puts your dollars to work with machine-optimized portfolios built to grow, protect, and adapt.
Large ETF Universe
We scan over 1,600+ U.S.-domiciled ETFs, including active, passive, and alternative strategies.
Proprietary Ranking
Our proprietary Capital Power Ratio™ identifies managers who consistently deliver more upside than downside.
Portfolio Optimization
Advanced algorithms construct custom portfolios aligned with your goals and risk tolerance.
What makes Mattress Money different?
Most robo advisors stop at simple allocation. We go further—pairing institutional-grade strategy with smart automation to give your wealth every advantage. Here’s how we do it differently:
Institutional Strategy, Automated Access
We deliver the power of institutional investing through a fully digital platform. You get smart portfolios backed by rigorous research—no suits or sales pitches required.
Machine Learning, Data-Driven
Our proprietary Capital Power Ratio™ uses machine learning to rank managers with consistent performance—so your portfolio is optimized to grow and adapt intelligently.
Active & Passive, Tax- Aware Construction
We blend active and passive ETFs to reduce downside risk and capture upside potential—then rebalance quarterly for efficiency, all with a focus on minimizing taxes and costs.
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Past performance is not indicative of future results. This is not an offer to buy or sell any security. No security or strategy, including those referred to directly or indirectly, is suitable for all accounts or profitable all the time. This information is compiled from sources believed to be reliable, but accuracy cannot be guaranteed.
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