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Origin — The #1 app to invest, get advice & track spend.
Origin unites your finances with our all-in-one platform. Our app helps you budget, actively invest, and grow your savings with up to 5.8% APY (promotional rate). Plus, create a will and get AI-powered financial guidance when you need it.
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@mwatson my congratulations! I really like that Origin seeks to simplify financial management by merging numerous tools and services into a single platform, allowing customers to more easily attain their financial goals.
@max_savonin1 - yo yo! I'm the Product lead here for Origin Investments (aka brokerage), happy to answer a portion of this one for ya!
Fees: Origin does NOT charge any AUM (assets under management or advisory fees) that you’d often find elsewhere, which can be anywhere from 0.25% to 1% at competitors! Any operational costs we may have are priced in and already included with your monthly or annual membership to the Origin platform.
There are three ways to use Origin's brokerage platform:
1. The cash account provides access to an FDIC insured cash vehicle for shorter term savings needs.
2. The Automated Index account provides access to a variety of low-cost ETF-driven portfolios based on your risk tolerance and time horizon for longer term savings goals.
3. For investors who want to take a more hands-on approach, Origin offers Stock Bundles, which are typically 8-20 individual stocks tied together by a single theme or market trend. Bear in mind that the Stock Bundles are not actively managed and are non-discretionary in nature.
Security: We utilize bank-level 256-bit AES encryption and data is transmitted securely via HTTPS protocols. Our systems are monitored 24/7 and we partner only with industry-leading data hosting and security providers. Our partners also practice similar security measures.
Privacy: I think the basic user question here is probably, "Can I delete my account and data? And the answer is yes, just contact us. For our full privacy policy https://www.useorigin.com/legal/...
We’re building something truly special, extremely helpful, and exceptionally beautiful. Lots more to come!
I've been using Origin for a while now, and I’m genuinely impressed! I used to juggle multiple financial apps to stay on top of everything, but Origin has simplified it all into one app, not only does it help me track my finances, but it also keeps me informed proactively.
Huge congrats to the team, keep up the great work! 🚀🚀🚀🚀🚀
@jesuscagide Thank you for the kind note! We're so excited for you to become an Original so soon.
I've been using this product for the past month and have been extremely impressed... I think this is the best product out there for someone who understands their finances. I work in fintech and try nearly every product out there. Most of the products are designed for people with very simple finances - a bank account, an investment account and that's about it. I have very complicated finances and honestly there isn't anything as comprehensive that actually works like Origin. It having (as far as I know) the best APY is just icing on the cake. Highly recommend it!
@sheel_mohnot thanks for the product love! Especially appreciate the positive feedback from you as a fintech expert!
@sheel_mohnot I'm also a DIY FinTech fanatic, tried everything and hated most, until I found Origin, loved it so much I took a job here haha. Glad you're enjoying that APY icing! Let me know if you have any feedback on the Cash account (it's my team)!
@sheel_mohnot That is a very interesting take "most of the products are designed for people with very simple finances". I've been saying similar, - 100 million people already manage their stocks and investments at Robinhood to Schwab to Coinbase - so yes I like the way you put it.
I couldn't be more excited about this launch! We genuinely believe wealth management should be made different for everyone. Managing your finances should be simple, intuitive, fun, and enlightening. Please check it out, and do not hesitate to share feedback. We are here for you, with you ❤️
@gustavo_h_silva Same!! I'm so pumped about this moment. Going down in Origin history!!
@mwatson Loving the comprehensive approach to managing finances with Origin! Are there plans to expand features for cryptocurrency investments or other emerging financial markets?
@taras_tymoshchuk Great question! We are excited to build the best comprehensive wealth management platform on the market, and we believe this means supporting highly-informed, strategic risk taking.
While we don't support in-app crypto investment, we do support account connection to many leading crypto trading platforms. And we will continue to look toward integrating new kinds of investing directly inside our platform moving forward! We've explored crypto trading as well as other alternative assets.
That's really awesome!
I see that this space is still unfilled since there are a lot of apps, but all of them are different, and I do like your approach!
Installing it and giving it a try!
Impressed by the potential 5.8% APY on savings! How does Origin ensure competitive rates, and what strategies are in place to maintain them? @mwatson
@marian_vovk - yo yo! I'm the product manager who launched Cash Accounts, so can give you my POV on this one!
1. Our cash account APY is variable and subject to change. As of today (September 5, 2024), our rate was 5.52% and we are offering a promotion to celebrate our launch that boosts your rate up to 5.8% APY for a limited time. Our full terms and conditions can be found at useorigin.com/legal
2. Regarding ensuring competitive base rates - we partner with a custodian (like most FinTech, since we're not a bank) who has something called an FDIC Cash Sweep account through their partner banks. And those partner banks evaluate what would be competitive rates to drive deposits and pass that along. And at the end of the day in the US, it's all based on the Federal Funds Rate set at the US federal reserve, which can/will fluctuate based on the needs of the economy.
Sorry if that was too detailed or technical (I am a PM after all haha)
@phounsouk_sivilay indeed! Excited to see more people saving for their future goals with proper guidance, support, educational content, and best-in-class investment instruments 🚀
So excited all these new features are live! I’m incredibly proud of our team. Can’t wait for you all to check it out!
I’m still a rookie entrepreneur with zero employees, but it’s surprising how few people around me really understand equity. Most of us never had any education on it, myself included. That’s why I’m excited about using Origin in the future—to help my team feel the impact of equity and turn that knowledge into real financial benefits. Thank you for creating such an amazing product!
@ryosuke_suzuki You're completely right! Decisions around equity: Whether or not to exercise your stock options, if you should hold on to your RSUs, if you can make financial decisions on unvested equity.. are all extremely common and also have enormous impact on one's financial life.
I'm personally a fan of our equity simulators in the product which help people see some of the tax costs they may not be familiar with, but nothing beats a session with our CFPs for peace of mind.
Hey, congratulations on the launch! I'm interested in trying this out to see if it's worth transferring to from what I currently use, but before I do so, I'd like to know if there was a discount code I could use – even if it's something small, I think that would definitely contribute to helping me consider converting! Thank you :)
Whether you're a beginner or an experienced investor, Origin empowers users to make informed decisions, grow their wealth, and stay on top of their financial goals with ease. Ideal for anyone looking to streamline their finances.
@Origin is a comprehensive financial app designed to help users invest, get financial advice, and track spending all in one place.
As the "The #1 app to invest, get advice & track spend," it simplifies personal finance by offering personalized investment recommendations, real-time spending tracking, and expert guidance on managing money.
A lot of finance apps try to do it all, but very few succeed at actually creating a genuinely useful, holistic, pleasing-to-use platform to the degree we have. You can tell that Origin has been crafted and refined into a truly ideal UX for one of the most important services out there 🔥
Congratulations on the launch, @mwatson! The combination of budgeting, investing, and savings in one platform is very appealing. The high-yield cash account is a game changer. How seamless is the onboarding process for users new to financial management? Looking forward to exploring Origin more!
@mwatson @renchu_song Hi! I'm Rachel, and I'm a Product Marketer on our Growth team. Onboarding is super seamless. We make managing your money really simple with a straightforward onboarding process and clean UI. I was totally new to financial management and Origin made it a breeze for me. Happy to answer more questions!
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