Today marks a new chapter for Origin and for wealth management, as we introduce a new suite of investing and cash management tools, paired with enhanced AI-powered guidance. Why are we focusing on these particular areas of personal finance? Because we believe in democratizing access to wealth building, and these tools help make that vision a reality. 

High-Yield Cash Account

First off, we’re making it easier to grow your savings with an industry-leading high-yield cash account. We’re giving you a high-yield cash account because we want to make this first wealth-building step a no-brainer, and remove any obstacles to putting your money to work. And we’re launching with a promotional 5.8% APY* for new account holders, because that’s how much we believe in the power of maximizing your money.

Enhanced Automated Index Investing

We’re also rolling out new and improved automated index investing accounts. These are managed investment portfolios that will invest your money in globally diversified stocks and bonds based on your own timetable, goals, and risk preferences. Crucially, these have no asset under management (AUM) fees — unlike most major brokerage firms, which typically charge between 0.25% and 1%. Our subscription fee covers the cost of managing these accounts, so you keep more of the money you earn and avoid sneaky hidden fees. With Origin handling trading and rebalancing, these are simple, super cost-effective way to build your wealth — which we don’t take a cut of. 

Stock Bundles

And our third new offering is stock bundles, which provide curated suggestions to help you invest based on interest, industry, or business characteristics. These 15 bundles have been handpicked by our investment team based on existing indexes to make them as diversified as possible, with uniting themes like streaming and gaming, chip manufacturing, and women leaders. These are self-directed accounts (meaning you decide when to trade), and are meant to supplement your core portfolio — a way to invest in market trends (or your own interests!) and discover stocks you may not have heard of before. 

AI-Powered Financial Guidance

We’ve also improved Sidekick, our AI-backed financial assistant that provides guidance, identifies opportunities, and produces holistic, real-time summaries of your financial picture.

These new AI capabilities are putting some key tools directly at your fingertips. First, we’re making financial guidance widely accessible. Getting tailored advice is the most expensive part of personal finance, with traditional models costing up to tens of thousands of dollars. But with Sidekick, you’ll get personalized guidance on topics like retirement readiness (think: determining how much you need to save annually to reach your retirement goals), market news notifications, and more for a fraction of that price. Helping individuals with these fundamental elements of their wealth-building journey is going to be one of the most impactful ways AI will improve our personal financial lives in the near future. 

Of course, AI guidance is only as good as the information provided to it, and most consumers use five (or more) disconnected tools to manage their money. But Origin’s all-in-one solution solves this problem: By consolidating all your data into one financial application, Sidekick will give you realistic recommendations based on your unique financial circumstance. That means you no longer have to spend hours scouring Reddit threads and Google to attempt to get a definitive answer on your specific financial question — unless you want to (I still love Reddit). For example, Sidekick can now not only give you a comprehensive review of your spending, but can also guide you through how and why to set up an emergency fund, or give you analyses of your portfolio performance. 

At Origin, we expect this level of AI guidance to be par for the course in a couple of years; we’re just ahead of the curve. 

New Home for Advice

Sidekick also has a new home, in the advice tab. Here, you’ll be able to track your Sidekick-related financial plans, and also meet with a CFP® for even more personalized and tailored advice. (We believe the combination of human guidance and AI assistance will be uniquely equipped to help you develop your financial plan — and, importantly, stick to it.)

All-In-One Tool for Wealth Building

We offer all of these tools through a single subscription fee ($12.99 a month or $99 a year). Since we truly are an all-in-one financial platform — from budgeting and cash flow tracking to estate planning and investing — charging one-off fees for each service would get really complicated (and annoying, to be honest) really quickly. A simple annual or monthly subscription fee charged automatically eliminates a ton of hassle and, most importantly, removes barriers for you to get started using new tools and strategies to grow your wealth. 

We also charge subscription fees because we’re offering an all-in-one set of best-in-class wealth-building products. (Just ask Forbes, which recently ranked us as the best money management app of 2024.) Like a lot of high-quality services, we think these are well worth the price of admission. 

Some of our competitors offer free versions of their primary products, but make up for that profit loss by selling customer information to third party companies. After all, if you aren't paying for the product, you are the product. That’s not the way we work at Origin.

These AI improvements and investment opportunities are just the beginning for Origin as we continue to expand on our mission to democratize wealth management. This is a powerful step forward and we can’t wait for you to tap into the full potential of these offerings. Give your wealth-building journey a boost and try these new features today. We can’t wait to hear what you think.

Try Origin Today