Why nsave Makes Investing Different

Many investment platforms can feel complex, especially for people who are new to investing. Interfaces, terminology, and minimum requirements can create friction that makes it harder to get started.

nsave takes a different approach.

• $0 commission - nsave does not charge commission on investment orders. For example, buying $1 or $1,000 of an investment does not incur a commission from nsave. 
• $0 minimum - Users are able to place investment orders starting from $1, allowing them to explore investing with small amounts.
• $0 transfer fee - Moving money from a nsave account to your investment account does not incur a transfer fee from nsave. Processing times may vary.
• Simple interface - Users can search for available investments within the app and place orders through a straightforward process.

This design is intended to reduce complexity for people who want to understand how investing works without committing large sums upfront.

Your First Investment: Step by Step

Step 1: Decide what you're investing in

Some people start by looking at broad market index funds, which are commonly discussed in educational investing materials. These types of funds are designed to track large segments of the market rather than individual companies.

This approach is often described in investing education as a way to gain exposure across many companies, though outcomes vary and losses are possible.

Step 2: Go to the Invest section of nsave

The investment feature is accessible within the app. Investment accounts are separate from payment accounts and are provided by a third-party broker dealer.

Step 3: Search for the fund

Users can search for available investments using names or tickers shown in the app. Search results display the options available through the third-party provider.

Step 4: Decide your amount

Some users choose to start with a small amount, such as $1, to familiarise themselves with how investing works before deciding whether to invest more.

Step 5: Confirm and execute

Before placing an order, users are shown a summary of the transaction. Once confirmed, the order is submitted for execution, subject to market conditions.

What Happens Next

After placing an investment order, values may move up or down depending on market activity.

Day 1-3: Investment values may fluctuate. Checking performance during this time can help users see how markets behave in the short term.

Week 1: Some users find that the experience feels less unfamiliar than expected.

Week 2: Users may choose to place additional investment orders, depending on their comfort level.

Month 1: A user may have invested a total of $200 across several investments, gaining experience with how orders and portfolios work.

After a few months, a user might invested $500 in total and learned more about:

• How placing orders works
• heir personal comfort with market fluctuations
• The fact that markets move regularly, which is normal
• That understanding investing takes time

This learning experience can be valuable, regardless of short-term outcomes.

The Psychology of Small Investments

For many people, the challenge with investing isn’t access to money, it's confidence.

Someone might hold $50,000 USD in their nsave account but hesitate to invest a large amount without experience. Starting with a very small amount can help some people feel more comfortable learning how investing works.

By starting small, users may find that their confidence grow through experience rather than theory.

Common Questions Answered

"What if I invest and the stock price drops?"

Market prices fluctuate, and losses are possible. Short-term movements are common, even in diversified investments. Historical data shows periods of growth and decline, but past performance does not predict future results.

"What if I need the money?"

Users can place sell orders through the app. Access to funds depends on market conditions and settlement timelines, which may vary.

"Isn't investing risky?"

All investing involves risk, including the potential loss of capital. Holding cash can also be affected by inflation over time. The right approach depends on individual circumstances and risk tolerance.

"Don't I need a lot of money to start?"

Some platforms allow users to begin with small amounts, which can help people learn before committing larger sums.

The Invitation

Funds held in an account may remain as cash or be allocated to investments, depending on personal preference.

Some people choose to explore investing with small amounts to understand how it works before deciding whether and how much to invest.

There is no requirement to invest, no minimum expertise needed to learn, and no obligation to proceed beyond what feels appropriate for each individual.

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‍This content is provided for informational and educational purposes only and does not constitute financial advice. Investments involve risk, including the potential loss of capital, and past performance is not indicative of future results. Any examples or data are for illustrative purposes only. Before making any investment decisions, consult a licensed or qualified financial advisor who can assess your individual financial circumstances and objectives.