PHILADELPHIA, PA — Elm Wealth said its Elm Market Navigator ETF (NYSE ARCA: ELM) has surpassed $500 million in assets under management, reaching the mark in under nine months since its February 2025 launch. The fund positions itself as a low-cost, fully transparent, rules-based dynamic allocation vehicle open to all investors.
ELM targets a gap between rigid target-date/static balanced products and higher-fee, discretionary allocation funds. It charges a 0.24% net expense ratio (0.26% gross with a 2 bps waiver) and publishes its allocation rules, rebalancing weekly using systematic valuation and momentum signals across global equities and fixed income.
“For decades, investors have been forced to choose between rigid static allocations or expensive, black-box active management,” said Victor Haghani, founder of Elm Wealth and Chief Investment Officer. “ELM is the first fund to offer true dynamic allocation with complete transparency and institutional-level low fees. Crossing $500 million validates that advisors and investors have been waiting for this solution.”
So far in 2025, the model has tilted toward international developed and emerging equities when signals favored those exposures, a stance the firm says has contributed to results in a year when non-U.S. markets outpaced the U.S.
“This isn’t market timing or subjective market calls—it’s disciplined, systematic allocation responding to observable market data,” said James White, CEO of Elm Wealth. “When our methodology signals that global equities offer better risk-adjusted return potential, the fund allocates accordingly. That’s exactly how dynamic allocation should work.”
The ETF runs off a baseline of 75% global equities and 25% fixed income, adjusting weekly based on expected returns relative to TIPS and current momentum as a proxy for risk. The approach extends a strategy Elm first launched privately in 2011 for high-net-worth clients; the ETF broadens access via major brokerage platforms including Charles Schwab, Fidelity, Interactive Brokers, and Robinhood.
Elm argues that transparent rules and lower costs can deliver a more flexible allocation than target-date glide paths while avoiding the opacity and higher fees common in traditional active allocation funds.
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