Worthy Bonds Review 2023 (Is Worthy Bonds a Good investment?)

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How Does Worthy Bonds Work?

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Worthy Bonds is an online platform that lets people invest in Worthy Bonds online. Although the company may not have a long history, the revenue seems promising. 

Worthy Bonds allows you to;

• Register and invest directly or use your change from purchases to invest
• Buy bonds and earn 5% in returns
• Support your fellow humans by funding loans to qualified American small businesses.
• Manage your account and track the progress of your investment
• Improve your financial lingo, get helpful tips, read industry news and more in the learning center
• Withdraw your money anytime at no charges

How Much You Can Earn With Worthy Bonds?

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You can expect to earn up to 5% in interests with Worthy Bonds.

Worthy Bonds Reviews: Is Worthy Bonds Legit?

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Worthy Bonds is a legitimate website that lets you invest in bonds and earn an interest hence not a scam. Having a rating of 3.5 on Trustpilot and 3.6 on Google Play, the app has generally been reviewed positively with most users on how simple it is to invest with the company. 

According to users, the company pays interests as agreed upon and makes it easy to withdraw your money. Other users have also indicated that they like the small minimum investment claiming that it helps them test the waters without risking much capital.

However, like other investment platforms, some investors feel that the app is not the best, complaining that it’s often down. Others also commented that the app doesn’t have anywhere to login hence you have to do it via the website.

Who Is Worthy Bonds Best for?

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Worthy Bonds is meant for;

• Investors who want to invest by buying bonds and earn interest of up to 5%
• Low-risk tolerance investors who want to invest for their retirement
• Those with little discipline for saving who are able to put a little aside at a time. You won’t even notice it.
• Those who don’t like to manage their investments actively
• Small businesses looking for finance and loans to invest in their businesses

Worthy Bonds Fees: How Much Does It Cost to Invest With Worthy Bonds?

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Worthy Bonds allows you to sign up, purchase bonds, sell bonds and more at no fees. You, therefore, don’t have to pay anything to start investing with Worthy Bonds.

Worthy Bonds Features: What Does Worthy Bonds Offer?

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Worthy Bonds

Worthy’s business model allows small businesses to borrow these bonds in terms of loans. Since these bonds are backed by tangible assets, your risk of losing your money is very minimal.

Purchase Restrictions

Worthy Bonds imposes strict limits on bond purchases. This means accredited investors can only buy cannot buy more than 10,000 bonds.

Account Types

Worthy Bonds has different accounts for individuals and families. Some of these accounts include taxable accounts, tax-advantaged retirement accounts, nonprofit accounts, and business accounts for investors who wish to invest through for-profit entities

Manual and Scheduled Bond Purchases

Once you’ve set up your Worthy Bonds account, the platform allows you to manually purchase bonds and also set recurring bond purchases in fixed amounts on a weekly, monthly or other schedules.

Cash-out and Interest Withdrawal

Worthy Bonds lets you withdraw your interest and principal cash any time during the 36-month term, with no charges or early fees. While larger withdrawals may take up to 2 weeks, small withdrawals can go through within a day.

Worthy Causes

Worthy Causes uses Worthy Bonds’ round-up feature to donate bonds to nonprofit organizations. 

Referral Program

Worthy Bonds pays you a standard $10 face value if you refer a friend who actually invests.

Fees

Worthy Bonds doesn’t charge any fees or penalties at all you might find with other types of investments.

Worthy Bonds Requirements

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To invest with Worthy, you’ll need to meet the following requirements;

• US citizen
• At least 18 years old
• Valid Social Security or tax identification number
• US residential address

You also need to provide required information such as your name, date of birth, email and phone, address and tax identification number, and Bank account.

Worthy Bonds Payout Terms and Options?

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Worthy Bonds investments offer a high degree of liquidity. Most bonds have a 36-month maturity date, you can withdraw your earnings at any time without incurring any fees or no penalty. 

You can also withdraw your interest and principal cash-outs at any time during the 36-month term. While Larger withdrawals may take several weeks to process, smaller interest withdrawals may be done quickly.

Worthy Bonds Risks: Is Worthy Bonds Safe to Invest With?

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Worthy Bonds is registered with the U.S. Securities and Exchange Commission meaning it’s safe and legit. It also uses bank-grade encryption and SSL-based security to make it safe for investment.

Worthy Bonds has multiple tax-advantaged account types and Worthy Causes’ charitable giving option that allows you to enjoy tax advantages. 

How Does Worthy Bonds Protect Your Money?

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To help mitigate risk and ensure your investment is safe, Worthy Bonds offers small business loans that are backed by secure assets. This means in case of anything, the business could sell off its assets to pay off the loan. Your money is therefore safe with the company.

What Are the Worthy Bonds Pros & Cons?

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Worthy Bonds Pros

• Simple and free to use
• Pays a fixed rate of 5%
• Perfect for new investors
• You can withdraw money anytime

Worthy Bonds Cons

• You can only invest online
• Accounts aren’t FDIC insured

How Good Is Worthy Bonds Support and Knowledge Base?

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Worthy has an extensive FAQ section with lots of valuable information and a blog filled with topics about stock, finance, and other investing stories. You can contact the company via live chat, phone, email, and social media. For live support, click the live chat icon on the support page. You can also send them a message through email: [email protected]

Worthy Bonds Review Verdict: Is Worthy Bonds Worth It?

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Worthy is a reliable platform that allows you to invest in bonds and earn interest. Given that you can invest as little as $10.00, and it earns a solid 5% interest, Worthy bonds are interesting. Strategy-wise, Worthy Bonds is a nice place to keep your short and medium savings at higher interest yields than you’re likely to earn from any online or traditional bank.  

It also allows you to withdraw your intestines anytime within 36 months. However, there are definitely risks involved. For instance, your money is used to fund small businesses without any FDIC insurance. If you are willing to invest in bonds, this can be a great option for you.

How to Sign Up With Worthy Bonds?

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To get started with Worthy Bonds;

• Go to the website and click get started
• Fill out your email and password, then sign up
• Enter your name, address, and tax information and click continue
• Enter your phone number and other information
• Confirm your identity to verify your account
• Link your bank and make your first investment

Sites Like Worthy Bonds

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Worthy Bonds vs. Acorns

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Acorns is a US-based financial technology and services company that offers micro-investment services. Acorns allows you to invest money while Worthy Bonds focuses on investing in Bonds

Acorns also charges a service fee of $3 per month compared to Worthy Bonds which has no interests. Acorns also requires you to invest at least $5 compared to Worthy Bonds whose minimum investment is $10. Moreover, while Acorns is best for investing your spare change, Worthy works well for bonds.

Worthy Bonds vs. Fundrise

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Fundrise is a crowdfunded real estate investment platform that enables members to pool their financial resources to invest in real estate. While both sites are free to and invest at least $10, Fundrise focuses on real estate investment compared to Worthy Bonds which helps you invest in bonds.

Fundrise also charges a service fee of 1% compared to Worthy Bonds which has no service fees. Overall, the two platforms allow you to make money by either investing in real estate or buying bonds. 

Worthy Bonds vs. Public App

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Public App is an investing website that provides stock market information and advice that can help you become a better investor. Like Worthy Bonds,  Public App is free to join and use. The two platforms also provide you with important information about finance, stock, and investing. 

While Public App focuses on providing stock market information and advice on how to invest, Worthy Bonds allows you to actually invest in bonds. Public App is good for the stock market and EFTs, while Worthy is best for buying stock. The only difference between the two is that Public App only provides the information you need to invest.

Other Sites Like Worthy Bonds

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Worthy Bonds FAQs

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What is Worthy Bonds?

Since the company believes in the power of community capital, everyone is Worthy of economic security. The company’s mission is to change the face of finance and to help you direct your investments to help shape the world we want to live in. 

To date,  the company’s customers have earned over $5,100,000 in interest and sold $150,000,000 in bonds. It also has over 100,000 Worthy customers.

Is Worthy Bonds legit?

Yes, Worthy Bonds is a legitimate platform that lets you invest in bonds and earn interest hence not a scam.

Is Worthy Bonds FDIC insured?

No. Worthy Financial, is not a bank, and it’s not insured by FDIC.

How many bonds am I allowed to buy?

While the accredited investors can buy bonds of up to $50,000 limit on online purchases, the non-accredited investors can only buy bonds worth 10% of their income. 

When do I get my money back?

Worthy Bonds allow you to cash out your bonds at any time without penalty. Essentially, the company aims to help you grow your money.

What happens to my investment if the stock goes down?

Worthy Bonds are not correlated to the stock market, the security of your bond is not tied to market volatility.