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
Illustration · 30 years
$452K
Hypothetical illustration, not a forecast. Assumes a 10% average annual return with monthly compounding; it does not reflect actual client results. Actual returns vary and you may lose money.
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 in Settings. Takes 2 minutes. Your credentials are AES-256 encrypted — never stored in plain text.
Create, clone, or AI-build a pie
Build a custom pie, clone a curated template, or tell our AI your goal and let it propose a pie for you. Pick your tickers, set % allocations (must sum to 100%), and choose a monthly amount.
Set recurring buys (DCA)
Choose your buy day and monthly deposit. Plutheia dollar-cost-averages automatically — placing fractional orders every month, tracking drift, and rebalancing when your portfolio goes off-target.
The math is on your side
Over the past century the S&P 500 has averaged roughly 10% a year — but through wars, crashes and recessions, with long stretches of losses along the way. The table below shows how contributions compound at that assumed rate. It is arithmetic, not a forecast, and it is not what any individual year will do.
| Year | Invested | Value | Gains |
|---|---|---|---|
| 5yr | $12K | $16K | +$4K |
| 10yr | $24K | $38K | +$14K |
| 20yr | $48K | $138K | +$90K |
| 30yr | $72K | $452K | +$380K |
Hypothetical illustration, not a forecast. Assumes a 10% average annual return with monthly compounding; it does not reflect actual client results. Actual returns vary and you may lose money.
⏰ Why time matters in the maths
In the illustration above, the final decade contributes more than all the earlier years combined, because growth compounds on prior growth. That is a property of the arithmetic — not a prediction about any particular decade.
Drag to change the illustration
$200/mo
compounds to $452K over 30 years at the assumed rate
10 years
$41K
20 years
$152K
30 years
$452K
Hypothetical illustration, not a forecast. Assumes a 10% average annual return with monthly compounding; it does not reflect actual client results. Actual returns vary and you may lose money.
Start from a template
Built by our team as a starting point. Edit any allocation before your first buy runs. A template is a convenience, not a recommendation.
S&P 500 Core
4 holdings
Broad US market exposure through major index ETFs.
AI Revolution
4 holdings
Concentrated in large-cap AI and semiconductor names.
Dividend Growth
5 holdings
Companies with a long record of raising their dividend.
ESG / Clean
4 holdings
Clean energy and sustainability-screened companies.
Mega Cap Tech
4 holdings
The largest US technology companies by market cap.
Global Markets
4 holdings
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, in an account registered in your name. Alpaca Markets is regulated by the SEC and FINRA in the United States.
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.
🥧
Connect your broker in 2 minutes, start from a template, and set your schedule. Investing involves risk, including possible loss of principal.
Free to start. No credit card. Cancel any time.