Investment Products FAQs

So you’re ready to start investing your money—that’s awesome. We’re here to walk you through every step.

At Appreciate, our objective is to eliminate any stress and pain you feel in investing. Which is why, Appreciate puts AI enabled investing at your disposal. You choose how much you want to save and we invest it in a portfolio that matches your risk appetite and maximizes returns for you.

We take information you provide about yourself, our assessment of your risk appetite, and combine it with a constantly improving algorithm to determine the best possible portfolio for you that minimizes fees and hidden costs, maximizes return, and is constantly optimized every week! The intelligence behind this is based on an algorithm that is constantly learning about the most effective portfolio recommendations it can make - this is the AI foundation we refer to, when we say we offer AI enabled investing.

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. Appreciate Goals offers a service for investors who want a hassle free but cutting edge investing service that makes smart investment decisions for their money.

Appreciate Goals does offer Robo-advisory services. We put AI enabled investing at your disposal. You choose how much you want to save and we invest it in a portfolio that matches your risk appetite and maximizes returns for you.

We take information you provide about yourself, our assessment of your risk appetite, and combine it with a constantly improving algorithm to determine the best possible portfolio for you that minimizes fees and hidden costs, maximizes return, and is constantly optimized every week! The intelligence behind this is based on an algorithm that is constantly learning about the most effective portfolio recommendations it can make - this is the AI enabled foundation we rely on as a robo-advisor.

In addition to being smart, this is also easy and hassle free. All you have to do is decide the amount you want to invest (we recommend a weekly or monthly recurring investment) and the goal towards which you are investing (goals based investing makes it more likely you will continue saving with discipline), and we take care of the rest!!

You can choose to save on a one-time or a monthly basis to keep progressing toward your financial goals. We can also round up your transactions and save the change.

You authorize us to read your transactions (via SMS alerts) and we help you save a small portion of all that you earn and spend - rounding up to the nearest multiple of Rs 10. We call this change investing - it happens seamlessly.

For example, if you buy groceries for Rs 95, we will round-up to Rs 100, and invest Rs 5 towards your goals.

We believe this helps you save and invest in a disciplined manner and makes saving and investing hassle free and easy - every day!!

Appreciate's Fractional share program allows you to purchase US securities, through Appreciate and our US based broker, in dollar amounts rather than share quantities. This means that you can buy less than one share and invest small amounts to get the benefit of investing in marquee stocks such as Amazon, Apple, Google, Facebook, within your budget / savings ability.

Please be advised that trading in US traded fractional shares has unique risks and limitations that you should understand prior to participation.

If you want more technical details, please read on - but if the technical details make your eyes glaze over then be rest assured that we access a robust trading infrastructure system that makes this possible for you!!

On our platform, we round all US traded fractional holdings to eight decimal places - your transaction will never exceed the order amount. Rounding may also affect your ability to be credited for cash dividends, stock dividends and stock splits, if the amount to be credited falls below a cent - we do not credit amounts due of less than 1 cent. For example, if you own 0.00000001 shares of US traded stock that pays a 1 cent dividend per-share, we will not credit your cash balance a fraction of 1 cent.

Appreciate will only accept market orders for US traded fractional shares at this time.

Appreciate and it’s broker will comply in all respects with “best execution” on all orders executed through Appreciate in line with US regulatory requirements that apply to US traded fractional share orders. This means that you will receive the US National Best Bid or Offer (“US NBBO”) as of the time of your order, for all US traded fractional share transactions. When you enter an order solely for a US traded fractional share, Appreciate and its broker will execute your trade against the broker’s proprietary account at the then current US NBBO. Orders entered outside of regular trading hours cannot be executed, and will be queued and placed as a market order at market open the next business day.

US traded fractional shares are not transferable. If you close your account or transfer your account, the US traded fractional shares held in your account will need to be liquidated. Similarly, US traded fractional shares cannot be put into certificate form and mailed. Liquidations of US traded fractional shares may result in additional charges as mandated by US regulators.

Holders of US traded fractional shares will not have voting rights for the fraction of a share owned, even if more than .50 shares are held in your account. Voting rights are not enabled administratively on our platform for shareholdings of less than 1 US traded share.

Holders of US traded fractional shares will not have voting rights for the fraction of a share owned, even if more than .50 shares are held in your account. Voting rights are not enabled administratively on our platform for shareholdings of less than 1 US traded share.

You are eligible to receive dividend and will receive dividend on US traded fractional shares subject to rounding as outlined here. Rounding may affect your ability to be credited for cash dividends, stock dividends and stock splits, if the amount to be credited falls below a cent - we do not credit amounts due of less than 1 cent. For example, if you own 0.00000001 shares of US traded stock that pays a 1 cent dividend per-share, we will not credit your cash balance a fraction of 1 cent. (Please note: On our platform, we round all US traded fractional holdings to eight decimal places).

Buying (and selling) stocks on the Appreciate app is easy, hassle free and all you need is a tap of the finger. When you do tap your finger to buy (or sell) a stock, you place an order to buy (or sell) the stock on an US stock exchange that Appreciate seamlessly executes on your behalf. You can place the following types of orders : Market Order, Buy Limit Order, Sell Limit Order, Stop Buy Order, and Stop Sell Order, Buy Stop Limit Order, Sell Stop Limit Order. We will also offer margin trading in due course.

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Write to us and we will try our best to help!