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 purchases 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 WellStreet dashboard, select Activate Roundups to get started. Roundups will not begin until this step is complete. When your spare change reaches $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).
If you ever need a break, you can pause and activate these features at any time! It’s as simple as clicking the toggle switch within each feature to 'Off' for both Roundups and Recurring investments. Both features can be turned off and back on whenever you’re ready.
Have more questions about Roundup investments? Our customer support is happy to help!