Getting Started with Investing

Investing

Investing and saving tools with no fees or minimums so you keep more of your returns.

Cash Account

Earn a boosted 4.87% APY by getting an additional 0.5% APY on top of our variable 4.37% APY base rate.

See how much you can earn with Origin over a year. Enter a dollar amount to grow:

Origin Cash Account

Boosted to 4.87% APY

$449.50

Earned

$400

Earned

National Savings Account Average

0.47%

$47

Earned

0.01%

Earned

Sky High Rate

With our limited time offer, you can earn an additional 0.5% APY on our current base APY.

Easy Access

With no withdrawal restrictions or fees you can easily access your cash when you need it.

Safe and Secure

Your money is FDIC insured up to $250,000 through our partner banks.

The Cash Management Account base APY is 4.37% as of May 12, 2025. APY is variable and subject to change at any time without notice. No minimum opening deposit or minimum balance is required.

Comparison rates for Chase and Wealthfront are as of January 10, 2025. Source for National Savings Account Average: https://www.usnews.com/banking/articles/what-is-a-good-interest-rate-on-a-savings-account#:~:text=The%20average%20national%20interest%20rate,accounts%20might%20drop%20in%202024.

Blend Financial Inc. DBA Origin Financial and its affiliated entities (collectively, “Origin”) are not banks, and Origin is not an FDIC-insured depository institution. The Cash Management Account (the “Account”) is not a checking or savings account. The Account is offered within the Origin application, through a sweep arrangement with DriveWealth LLC, utilizing DriveWealth’s program banks (each, a “Program Bank”, and together, the “Program Banks”). Balances associated with the Account are held by the Program Banks and protected by the FDIC’s insurance coverage up to the maximum deposit insurance limits through the applicable Program Bank. The Account is not offered by Origin Investment Advisory LLC and is not an investment advisory service.

Stock Bundles

From tracking the industry titans to savvy business strategists, discover new ways to invest in stocks.

Cloud Capital

Soar to new heights with cloud computing leaders, featuring top performers in the ISE CTA Cloud Computing Index.

Chip Champions

Dive into the heart of innovation with this bundle of semiconductor leaders who are shaping our digital future.

Future Mobility

Charge into the future with the the leading US-traded companies driving the electric and autonomous vehicle revolution.

Travel Titans

Embark on a journey with diverse hospitality and travel leaders, spanning from luxury hotels to cutting-edge airlines and everything in between.

Content Kings

Plug into the digital entertainment revolution with this curated selection of streaming and gaming giants.

Pure Power

Energize your portfolio with the industry leaders of America's clean energy revolution.

Gentle Giants

Smooth out your investment journey with this carefully curated selection of low-volatility stalwarts from the S&P 500.

Future Factories

Manufacture your portfolio with the pioneers of smart factory technology.

Ocean & Orbit

Venture beyond the horizon with pioneers charting the final frontiers of space and sea.

Principled Properties

Invest in properties with purpose through this collection of top-tier ESG-focused real estate investment trusts.

Dividend Deluxe

Harvest steady returns with elite dividend champions boasting a decade-plus payout streak.

Buybackers

Capitalize on corporate confidence with this bundle of top-tier stock repurchasers from the Nasdaq US Buyback Achievers Index.

Midcap Movers

Tap into the sweet spot of the market with this diverse selection of mid-cap leaders, blending growth potential with relative stability across key sectors.

Queen Bee Capital

Empower your portfolio with trailblazing companies led by women CEOs, championing diversity at the highest levels of corporate leadership.

Buffett's Picks

Channel the Oracle of Omaha's wisdom with this curated selection of Berkshire Hathaway's top 20 holdings.

Investments in Stock Bundles involve direct ownership of individual stocks and are not managed by Origin Investment Advisory LLC. Stock Bundles are thematic and do not guarantee a diversified portfolio. Stock Bundles are provided for informational purposes only. Stock Bundles are not intended to be personal investment advice or an individualized recommendation. Investing involves risk. Investors should consider their financial situation, risk tolerance, and investment objectives before investing. Past performance is not indicative of future results, and investing in stocks involves the risk of loss, including loss of principal. Each investor is responsible for their investment decisions. Please consult your financial advisor to ensure that any investment meets your specific needs. For additional important risks, disclosures, and information, please visit https://www.useorigin.com/legal.

Automated Investing

Keep more of your returns with our AUM fee-free global index portfolio, tailored to your style.

Personalized

We'll create a personalized portfolio tailored to your risk tolerance and time horizon.

Diversified

Made up of globally-diversified stocks and bonds, our funds are designed to maximize returns for each unit of risk you're willing to take on.

Fully Automated

Our technology handles the trading and rebalancing, and with recurring deposits you can truly set it and forget it.

The graph is a hypothetical illustration to demonstrate how asset management fees can impact portfolio returns. An investor may have outcomes that are different than what is displayed. All investments have risk and this graph does not represent typical market and investment performance.

Origin investment accounts do not have any AUM fees. However underlying funds held in these accounts may charge their own expense ratios, which are deducted directly from the balance of the funds. Expenses charged by our custodian, DriveWealth, may still apply to Origin investment accounts. A list of all possible fees charged by our custodian is presented as part of the account opening process.

Portfolio Management

Have a question about your investments? Ask Sidekick, your AI-powered financial assistant.

Visibility across investments

Connect all your investments to see your full position across accounts.

Portfolio analysis

Let Sidekick analyze your portfolio and provide tailored guidance to align with your long-term goals.

Proactive notifications

Get timely notifications on significant portfolio changes and weekly market updates.

Uncover hidden costs

Easily understand your total investment fees across all accounts with Sidekick's fee analysis.

Connect all your investing accounts today.

+ Thousands More

FAQs

Got questions? Find answers.

Is investing with Origin right for me?

Our investment products cater to both novice and experienced investors looking for a way to put their money to work.

Investors looking for a simple, automated solution will find that our Automated Index account provides global diversification and continually analyzes ways to optimize. Portfolios are tailored to your risk tolerance and Origin handles all the trading and rebalancing to maximize for each unit of risk you're willing to take on.

Our Stock Bundles account are for investors looking for a more hands on, self-directed approach. You can browse our many curated collections of stocks which are designed by Origin's investment team and grouped by market trend, sector, or business opportunity. These bundles are not "robo" managed or part of a discretionary portfolio, so it gives members the opportunity to invest in multiple stocks more easily and manage their portfolio themselves. You have the flexibility to adjust the weighting of individual stocks within the bundle to your preference.

How are Origin's investment accounts different from competitors?

How much money do I need to get started?

We don't have a minimum amount across any of our accounts. You can start with one dollar if you so please. Whether you're just beginning your investing journey or have been at it for years, you can open an Origin investment or cash account and start putting your money to work with whatever amount you're comfortable with.

We designed our platform to be accessible to anyone who wants to grow their wealth over time. That means our low-cost, globally diversified portfolios are optimized regardless of your starting investment amount.

Is my money secure on Origin?

Absolutely. The security of our customers' data and money is our top priority. Any money you invest through Origin is held by our custodian, DriveWealth, and is insured through SIPC for up to $500,000. Our Cash Account is also FDIC insured up to $250,000 through partner banks.

On top of institutional protection, we use advanced encryption, hardware security keys, and industry-standard bank-level security measures to safeguard your account and data. Our security team is constantly going through rigorous inspections and tests, including routine auditing from non-affiliated 3rd party security firms. For more info on our security measures, read here.