Register with your name, email, phone and country, verify your identity, then fund the account. A joint certificate additionally requires the second holder to complete verification before it can be funded.
It depends on the desk. Stocks start at $500 on the Starter tier, AI positions at $1,000 on Explorer, and certificates of deposit at $1,000 for a 3-month single-holder term.
No. One account reaches all three, and you can hold positions on more than one at the same time.
More than position size. Each tier sets a minimum, a minimum holding period, and how the allocation is managed — Starter is a single entry, Growth averages in across several, Premium adds a downside hedge, and Institutional adds a named manager and monthly reporting.
Yes. Topping a position up to the next tier's minimum moves it onto those terms from the date of the top-up, not retroactively.
Nothing automatically. The minimum hold is the point from which you can exit without penalty — you are not required to close the position then.
A single certificate has one holder who controls it alone and whose estate it forms part of. A joint certificate has two holders, each owning the whole deposit, passing to the survivor without probate. Joint carries higher minimums and a rate premium on every term.
Yes, for the full term, from the moment the certificate is opened and funded. Rates advertised for new certificates can change, but that does not affect one already open.
Early withdrawal forfeits accrued interest and may reduce the principal returned. On a joint certificate, closing early requires both signatures — one holder cannot do it alone.
Principal and interest settle to your nominated account, or the certificate renews at the prevailing rate if you have chosen automatic renewal.
Because they are not listed on any exchange. OpenAI, Grok (xAI), MiniMax, ChatGPT and CapCut AI are private-market exposure: illiquid, valued only when a funding round prices them, and returning capital only at a liquidity event that has no guaranteed date.
No, and this matters. ChatGPT is a product of OpenAI and CapCut is a product of ByteDance. Holding one alongside its parent is concentration in a single entity, not diversification. Each brief states this on the page.
Yes. The value of investments can fall as well as rise and you may get back less than you put in. Certificates of deposit are the only product here where the return is fixed in advance, and even then early withdrawal can reduce what you receive.
No. The briefs describe instruments; they do not recommend them. Nothing on this site takes your circumstances into account.
