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.