Investing
made better
Meet the app that gives you the tools, inspiration, and support to help you become a better investor.
Investing built for
a better future.
Whether you're starting with $10 or $10M,
we’re built to help you reach your financial goals.
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Easy
Get started with as little as $10 and use our top-rated mobile app to invest on the go.
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Optimized
We put the robots to work for you, with automated tools and strategies that can help unlock your money’s potential.
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Personalized
Customize your account, either as hands on as you want, or with our guidance along the way.
Want to know how you can make the most of your money? Take our quiz.
What makes Spiral Holdings Limited better?
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Built to make investing easy.
We'll guide you through portfolio options, risk levels, goal setting, and savings features.
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Diversified investing.
We custom-build our portfolios using ETFs or cryptocurrencies to give you better diversification.
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Transparent pricing.
We offer lower cost investing options so everyone can decide what’s best for their money.
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Invest with your values.
Socially Responsible Investing can help make an impact while putting your money to work for you.
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Limit tax impact.
Consider our tax strategies designed to help you limit the tax impact of your investments.
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Track your finances.
Connect outside accounts to better inform our advice in one place.
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4.7 rating - 35,000 reviews§
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730,000+ customers
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$30.7 Billion Assets under management
Be invested.
Want to know how you can make the most of your money? Take our quiz.
Still have questions?
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How does Spiral Holdings Limited work?
Spiral Holdings Limited helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest.
We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal.
For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest.
For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
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Will I have access to real humans?
Customer support team members are available five days per week to answer questions about your account.
If you want in-depth financial advice, you can talk to a licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.15% on your invested balances (with a minimum account balance requirement of $100,000).
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Is my money safe at Spiral Holdings Limited?
Spiral Holdings Limited Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SPIC does not protect against market changes in your investing account.
Individual Cash Reserve accounts have FDIC insurance up to $1M and joint Cash Reserve accounts offer up to $2M in FDIC insurance once funds are deposited into our program banks.
Funds deposited into Checking are FDIC-insured up to $250K for individual accounts and up to $250K per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.
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Who are the experts behind the scenes?
Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.
More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology, our cash analysis tools, and other advanced strategies.