Roundups turn spare change from your everyday purchases into investing. Each purchase is rounded up to the next dollar, and the difference goes toward your next bond. For example, a $2.49 coffee rounds up to $3.00, and the $0.51 helps fund a bond.
On average, bondholders earn enough through roundups to purchase about 3 bonds ($30) per month, just from everyday spending.
Example of how roundups add up:
Purchase | You Spent | Roundup Amount | Bond Progress |
Coffee☕ | $5.05 | $0.95 | $0.95/$10.00 |
Lunch🥪 | $12.40 | $0.60 | $1.55/$10.00 |
Groceries🛒 | $27.75 | $0.25 | $1.80/$10.00 |
Gas⛽ | $34.20 | $0.80 | $2.60/$10.00 |
Keep spending as usual! Small roundups will continue to add up. Once the total reaches $10, a bond will be automatically purchased with approval.
Why should I activate roundups?
Roundups help you invest more consistently without changing how you spend. The graph below shows how small automatic additions add up over time, without lifting a finger.
How do I activate roundups?
On your Worthy dashboard, select Activate Roundups to get started. Roundups will not begin until this step is complete. When your roundups reach $10, a bond purchase is queued on your account. You will receive an email to approve the purchase, or you can approve it directly in the app. Once approved, $10 is transferred from your linked funding account, and the bond is issued when the transfer clears (up to five days).
🚨Important note: When your accumulated roundups reach $10, and the bond is triggered for your account, the $10 cost is deducted from the bank account you originally linked as a FUNDING source for your bond purchases (it does not come from the debit or credit card you linked for monitoring the roundups).