Goal Based Investment: Plan Financial Investment Goals with Appreciate

See what people are saying about their Goals

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Appreciate's Goal product is easy to set up, manage and understand which is their major advantage over other platforms where either there are too many jargons to navigate or too little information to make an informed decision. Definitely recommending it to all investment conscious in my circle.

Appreciate Wealth User

Lead UX

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Appreciate has helped me understand the importance of setting goals. While I have been investing for quite some time now it was never for a specific reason. Appreciate has made me realise the need for setting life goals, achieving them through planned investing and be financially independent.

Appreciate Wealth User
Sandeep Patwardhan

Client Services Director

Goals Pattern Background

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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We work with
regulated partners
based out of India and abroad

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.

Appreciate Wealth Feture
  • - Gold standard KYC to authenticate your account
  • - Industry best practice encryption in place
  • - Stringent security measures
  • - 24/7 monitoring of all activity
  • - Industry best practice encryption in place
  • - Stringent security measures
  • - Insurance available from the Securities Investor Protection Corporation --- an US government agency
  • - Insurance available to safeguard your portfolio, held in the US by Appreciate's clearing partner Drivewealth, in case of bankruptcy or any other systemic failure

Note: Insurance not available to protect against trading losses that may be incurred.

  • -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.
  • - Seasoned operating team that has security and safety as its top concern
  • - Deep experience in Financial Services and E-commerce

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.


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