Build a personalised portfolio of stocks and ETFs. Plutheia buys fractional shares automatically every month through your own broker — so your money is always in your name, not ours.
Monthly deposit
$200/mo
After 30 years
$452K
10% annual — historic S&P 500 average. Past performance ≠ future results.
What is an Investment Pie?
A Pie is a named portfolio with target % allocations. Set it once. Plutheia buys the right fractions every month, rebalances when things drift, and shows you exactly how it's performing.
Example: S&P 500 Core pie
What happens each month
Get started in minutes
Connect your broker
Enter your Alpaca API key or IBKR Client Portal URL in Settings. Takes 2 minutes. Your credentials are AES-256 encrypted — never stored in plain text.
Create or clone a pie
Build a custom pie from scratch or clone one of our curated templates. Pick your tickers, set % allocations (must sum to 100%), and choose a monthly amount.
Set it and forget it
Choose your buy day and monthly deposit. Plutheia places fractional orders automatically, tracks drift, and rebalances when your portfolio goes off-target.
The math is on your side
The S&P 500 has returned ~10% per year for a century — through wars, crashes, and recessions. Invest $200/month every month without stopping and compounding does the impossible: your market gains dwarf what you ever put in.
| Year | Invested | Value | Gains |
|---|---|---|---|
| 5yr | $12K | $16K | +$4K |
| 10yr | $24K | $38K | +$14K |
| 20yr | $48K | $138K | +$90K |
| 30yr | $72K | $452K | +$380K |
$200/mo · 10% annual · monthly compounding · not a guarantee
⏰ The earlier you start, the bigger the effect
Starting 5 years earlier is worth more than doubling your monthly deposit. Year 20 → 30 adds 3× more value than all the years before — that's compounding at full speed.
Drag to see your number
$200/mo
grows to $452K in 30 years
10 years
$41K
20 years
$152K
30 years
$452K
Start with a proven strategy
Built by our team, backed by historical data. One click to clone — then adjust any allocation before your first buy runs.
S&P 500 Core
+11.2% avg/yr
The all-weather portfolio. 500 companies, one buy.
AI Revolution
+28.5% avg/yr
Ride the AI supercycle with the biggest names.
Dividend Growth
+8.4% avg/yr
Companies that raise their dividend every year.
ESG / Clean
+9.1% avg/yr
Invest in the future you want to see.
Mega Cap Tech
+19.3% avg/yr
The world's most profitable tech companies.
Global Markets
+7.8% avg/yr
Diversify beyond the US into 50+ countries.
Plutheia is a tracking and automation layer, not a custodian. All cash and shares are held by your brokerage — Alpaca Markets or Interactive Brokers — in an account registered in your name, regulated by the SEC and FINRA.
We connect using an API key you generate from your broker account. That key can place buy orders — and nothing else. You can revoke it at any time and every position remains exactly as it was.
✅ We CAN do
🚫 We CANNOT do
Supported brokers
Alpaca Markets
RecommendedCommission-free US stocks and ETFs. Supports fractional shares from $1. Free paper trading sandbox. Sign up in 5 minutes.
Interactive Brokers
For existing usersWorld's largest broker. Excellent for international users and advanced traders. Pies and DCA supported via Client Portal API.
🥧
Connect your broker in 2 minutes. Clone a template. Let Plutheia do the rest. Your future self will thank you.
Free to start. No credit card. Cancel any time.