Which Wealtii fund is right for you depends on how much crypto risk you want: the Core fund is 100% crypto, the Tech & Digital Asset Growth fund is about 65% tokenized US tech stocks and ETFs, and the Multi-Asset Balanced fund splits roughly 42% crypto, 39% tokenized gold and silver, and 20% US large-cap stocks.
How do the three Wealtii funds compare side by side?
All three funds hold seven assets at fixed target allocations set by Wealtii's allocation methodology with position caps. The table uses the target allocations published on 21 October 2026; the full holdings follow in the sections below.
| Feature | Digital Asset Core Index Fund | Tech & Digital Asset Growth Fund | Multi-Asset Balanced Allocation Fund |
|---|---|---|---|
| Crypto | 100% | 23.6% | 41.5% |
| Tokenized stocks and ETFs | 0% | 64.6% (NVIDIA, Alphabet, Apple, Invesco QQQ) | 19.8% equities (SPDR S&P 500 ETF) plus 19.6% silver ETF (iShares Silver Trust) |
| Tokenized gold (XAUT) | 0% | 11.8% | 19.1% |
| Bitcoin (BTCB) weight | 33.9% | 8.0% | 7.3% |
| Largest holding | Bitcoin 33.9% | NVIDIA 17.6% | TRON 19.9% |
| Top three holdings combined | 59.5% | 49.5% | 59.3% |
| Available in the US? | Check eligibility for your jurisdiction | May not be available (Ondo tokens) | May not be available (Ondo tokens) |
What does the Digital Asset Core Index Fund hold?
The Wealtii Digital Asset Core Index Fund is the only all-crypto Wealtii fund. Its target allocation is Bitcoin (BTCB) 33.9%, BNB (WBNB) 13.4%, NEAR 12.2%, Ethereum (ETH) 12.1%, Chainlink (LINK) 9.7%, Cardano (ADA) 9.4% and Zcash (ZEC) 9.3%.
Who the Core fund may suit
The Core fund may suit investors who want crypto-only exposure spread beyond Bitcoin and Ethereum, and who can accept large price swings. Bitcoin is a third of the fund, compared with roughly three-quarters in typical market-capitalisation crypto indexes, as our comparison of crypto index funds and ETFs shows.
Main risks of the Core fund
- Every holding is a crypto asset, so the whole fund can fall sharply at once.
- Two-thirds of the fund sits in assets other than Bitcoin. Smaller tokens such as NEAR, LINK, ADA and ZEC are often more volatile than Bitcoin.
- BTCB is Binance-Peg Bitcoin, a BEP-20 token issued by Binance and backed by Bitcoin that Binance holds, so it carries custodial wrapper risk.
- BNB (13.4%) is tied to the same BNB Chain ecosystem the fund runs on.
What does the Tech & Digital Asset Growth Fund hold?
The Wealtii Tech & Digital Asset Growth Fund combines tokenized US tech stocks with crypto and gold. Its target allocation is NVIDIA (NVDAon) 17.6%, Alphabet A (GOOGLon) 16.3%, TRON (TRX) 15.6%, Invesco QQQ (QQQon) 15.4%, Apple (AAPLon) 15.3%, Tether Gold (XAUT) 11.8% and Bitcoin (BTCB) 8.0%.
Who the Growth fund may suit
The Growth fund may suit investors outside the United States who want exposure to large US technology companies and the Nasdaq-100, with a smaller crypto sleeve and some gold, in one on-chain portfolio.
Main risks of the Growth fund
- Technology concentration: Invesco QQQ tracks the Nasdaq-100 Index, which also contains NVIDIA, Apple and Alphabet, so exposure to those companies is higher than their direct weights suggest.
- The tokenized stocks are Ondo Global Markets tokens. They give economic exposure to the underlying security, not shareholder voting rights, and depend on Ondo as issuer.
- Ondo restricts these tokens for US persons, so the fund may not be available in the United States.
- TRON at 15.6% is a single crypto asset with its own volatility, and XAUT depends on Tether's gold reserves.
What does the Multi-Asset Balanced Allocation Fund hold?
The Wealtii Multi-Asset Balanced Allocation Fund spreads money across crypto, precious metals and US equities. Its target allocation is TRON (TRX) 19.9%, SPDR S&P 500 ETF (SPYon) 19.8%, iShares Silver Trust (SLVon) 19.6%, Tether Gold (XAUT) 19.1%, Bitcoin (BTCB) 7.3%, XRP 7.2% and BNB (WBNB) 7.1%.
Who the Balanced fund may suit
The Balanced fund may suit investors outside the United States who want crypto alongside gold, silver and a broad US stock index, and who prefer no single asset class to dominate. Each of its four largest holdings is close to 20%.
Main risks of the Balanced fund
- "Balanced" is not the same as low risk: crypto is still 41.5% of the fund, and TRON alone is 19.9%.
- Gold and silver (38.7% together) can fall in value too, and XAUT depends on Tether's gold reserves.
- SPYon and SLVon are Ondo tokens with the same issuer, voting-rights and US-availability limits as in the Growth fund.
How are Wealtii fund weights set and maintained?
Wealtii funds are not market-capitalisation index funds. Each fund has fixed target allocations set by Wealtii's allocation methodology with position caps, and each purchase buys every holding at its target weight through DEX aggregators at the best available quote, so price impact can apply. Automated rebalancing is in development and not live yet, which means the weights you hold drift with market prices after you buy.
Costs are the same across all three funds: no management or performance fee, no lock-up and 0% platform fees during the early-adopter promotion, plus blockchain network fees. See Wealtii's fees and charges for details. Assets for all funds are held 1:1 in one public Gnosis Safe vault, and our guide to verifying Wealtii's reserves on BscScan explains how to check it.
Should past returns decide which fund you pick?
Each fund page shows multi-year return figures, and every one of those numbers carries this label: Hypothetical backtest of current allocation — not actual fund performance. Past performance does not guarantee future results. A backtest applies today's holdings to past prices with hindsight, so it is a poor basis for choosing between funds; the asset mix and its risks matter more.
How do I choose between Core, Growth and Balanced?
- You only want crypto: the Core fund is the only all-crypto option.
- You want US tech stocks with some crypto and gold: the Growth fund, if it is available where you live.
- You want crypto, precious metals and broad US stocks in similar amounts: the Balanced fund, if it is available where you live.
- You need regulatory protection or a tax-advantaged account: none of the Wealtii funds. Wealtii is not regulated and has no deposit insurance or compensation scheme; read Wealtii's regulatory status first.
If you are new to the idea of buying a basket instead of single coins, start with our guide to how crypto index funds work, then come back to this comparison.
Frequently Asked Questions
Which Wealtii fund has the least crypto?
The Wealtii Tech and Digital Asset Growth Fund has the least crypto: TRON (15.6%) and Bitcoin (8.0%) make up 23.6% of its target allocation, with 64.6% in tokenized US stocks and ETFs and 11.8% in tokenized gold. The Multi-Asset Balanced Allocation Fund holds 41.5% crypto, and the Digital Asset Core Index Fund is 100% crypto.
Is the Wealtii Multi-Asset Balanced Allocation Fund low risk?
No. Balanced describes the mix of asset classes, not the level of risk. The fund still holds 41.5% crypto, and its largest single holding is TRON at 19.9% of the target allocation. Tokenized gold and a tokenized silver ETF make up 38.7%, and a tokenized US large-cap stock ETF (SPYon) makes up 19.8%.
Can US residents invest in the Growth and Balanced funds?
The Growth and Balanced funds hold Ondo Global Markets tokenized stocks and ETFs, which Ondo offers only outside the United States to eligible non-US persons. For that reason these two funds may not be available in all jurisdictions, including the United States. Check eligibility for your country before investing.
Do Wealtii funds rebalance automatically?
Not yet. Automated rebalancing is in development. Each purchase buys every holding at its target weight, but after that your holdings move with market prices, so the weights you hold can drift away from the targets until rebalancing is introduced.
What is the minimum investment in a Wealtii fund?
The minimum purchase is 10 USDT (about $10) per order for every fund. There is no management fee, and platform fees are 0% during the early-adopter promotion. Blockchain network fees apply, typically under $0.50 on BNB Smart Chain.
📚 Sources & References
- Ondo Finance — Ondo Global Markets tokenized stocks and ETFs (eligibility and economic exposure) (accessed 21 Oct 2026)
- Tether Gold (XAUT) — issuer page (accessed 21 Oct 2026)
- BscScan — Binance-Peg BTCB token contract (accessed 21 Oct 2026)
- Invesco — Invesco QQQ and the Nasdaq-100 Index (accessed 21 Oct 2026)
- BscScan — Wealtii custody vault (Gnosis Safe) (accessed 21 Oct 2026)
Disclaimer: This content is for educational purposes only and does not constitute financial, tax, or legal advice. Fund allocations are targets as of 21 October 2026 and may change. Cryptocurrency and tokenized-asset investments are volatile and carry risk of loss. Consult a qualified professional before making investment decisions.
