Appreciate: Goal-Based Investment for Financial Planning & Achieving Investment Goals

Don’t take our word for it

See what people are saying about their goals

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Kudos to the team behind this app! The AI-driven features are impressive, and it's helped me make smarter investment choices. I'm excited to see the app evolve even further.✨

Appreciate Wealth User
Kunj Bhatt
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This is legit super for investing in usa stocks on the fly. The app's performance is so smooth, and it executes trades super fast. It's totally a winner in my book, man.

Appreciate Wealth User
Nikunj Wandile
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How it works


Whatever your goal, we have a tailor-made solution for you.


AI Enabled Higher Returns

Hassle free investing, powered by Appreciate AI

Our proprietary intelligent AI algorithms determine where your hard earned money should be invested every time you set a goal. You can rely on our expertise, to make more money, hassle free.

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    Access to US market that offers higher returns

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    AI enabled portfolio recommendations - hassle free investment decision making for you

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    Seamless tracking of your goals with reminders and tools to increase savings every year

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    Automated rebalancing and portfolio management - you can rest easy


Value for Money

Easy, one click,
low cost - for everything

Over the past decade, the US S&P Fortune 500 companies have outperformed the BSE/NSE by over 20%. We ensure you can access this market easily, with no friction and at a low cost.

Appreciate Wealth Feture

Zero Commission, no minimum investment, no subscription fees

Appreciate Wealth Feture

One click investing that’s seamless & hassle free

Appreciate Wealth Feture

Complete transparency with no hidden fees

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Get the gold standard of trust

Your money’s safety is our top priority

Appreciate Wealth Feture
  • 24/7 monitoring of all activity
  • Transaction flow tracking from the first step to the last
  • AI-enabled auto-flagging of suspicious activity
  • A trusted name with top-notch security standards
  • Fully compliant with FEMA, SEBI, and RBI regulations
  • Gold standard KYC to authenticate your account
  • Industry leading AES 256 encryption
  • Stringent security measures
  • Safeguard your portfolio, held in the US by Appreciate's clearing partner DriveWealth, in case of bankruptcy or other systemic failures
  • Portfolio insurance worth $500,000 included
  • Backed by the US-govt agency Securities Investor Protection Corporation

(Note: Insurance not available to protect against trading losses.)

  • We work with reputed brokers and investment advisors based out of India and the US so you can invest in a safe, secure and compliant manner.

Frequently asked questions

You decide how often you want to invest. All you have to do is decide the amount you want to invest, and choose a frequency of investment. We recommend a weekly or monthly recurring investment, but you can customize this to suit your needs. Decide which goal you want to achieve, set up a recurring payment that works for you, and we take care of the rest!

At Appreciate, our objective is to eliminate any stress and pain you feel in investing. With Goals, Appreciate offers a service for investors who want a hassle-free but cutting edge investing service that makes smart investment decisions for their money. We put AI-enabled investing at your disposal. You choose how much you want to save and invest in a portfolio that matches your risk appetite and maximizes returns for you.

We have hand selected a diversified set of 5 low expense ratio ETFs with strong historical performance and lower volatility. These include:

  1. VOO (Vanguard 500 Index Fund ETF) - investment in blue chip US stocks. Historically high returns over decades even when comparing across asset classes. One of the lowest expense ratios of 3bps.

  2. AGG (iShares Core US Aggregate Bond ETF) - investment in US bonds that move somewhat countercyclical to equities, providing a balanced portfolio. Low expense ratio of 5bps.

  3. IAU (iShares Gold Trust) - historically proven to be independent and countercyclical to equity markets to serve as a safety asset for market downturns. ETF stored physical gold instead of investing in gold companies or buying contracts. Slightly higher expense ratio to compensate for storing physical gold of 25bps.

  4. PDBC (Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF) - investment in a diversified basket of commodities that serve as the foundation for global economy.  Reasonable expense ratio of 62 bps.

  5. VNQ (Vanguard Real Estate ETF) - investment in REITs that own residential and commercial real estate in the US. Goal to provide exposure to US real estate, that is in the down-cycle now but that we expect to rebound in the medium term, to investors at a reasonable expense ratio of 12 bps.

Digital gold is a method of investing in physical gold digitally. When you buy digital gold, you're purchasing physical gold which is stored in secured vaults by the provider on your behalf. The quantity of gold you buy corresponds to the amount of money you invest.

You can easily invest in digital gold through Appreciate's Goals feature. Here's how:

1. Open the Appreciate app and navigate to the "Goals" section.
2. Create a new goal and add "gold" as the goal type and specify the amount of money you want to invest.
3. The money you deposit for this goal will then be used to purchase digital gold.


Why you should choose Appreciate

  • Global Investing, Higher Returns - for Everyone
  • Investing Solutions - for Every Need
  • Easy, One Click, Low Cost - for Everything
  • Learn How and When to Invest - Everyday
  • Safe, Secure, Trustworthy - Everytime

Join the growing tribe of 2,00,000+ Appreciators