GPOD Investor Help Center

The minimum investment amount at GPOD is £1,000, which places you in our Starter Tier. This tier offers target annual returns of 8% while providing positive social impact.

As your investment amount increases, you can access our Growth Tier (£10,000-£49,999) with 10% target returns and our Impact Tier (£50,000+) with 12% target returns.

Your returns are calculated based on your investment tier's target annual percentage return, accrued daily and typically distributed according to your selected preference:

• Monthly distributions: Returns are calculated and distributed on a monthly basis
• Quarterly distributions: Returns are accumulated and distributed every three months
• Reinvestment: Returns are automatically added to your principal amount, compounding your growth

You can change your distribution preference at any time through your investor dashboard, with changes taking effect in the next distribution cycle.

GPOD investments are backed by real worker earnings and our proprietary platform technology. We implement several security measures:

• Direct agreements with employers ensuring committed funding channels
• Risk assessment algorithms that maintain appropriate lending ratios
• Diversification across multiple employer partnerships to mitigate concentration risk
• Regular financial audits by independent third parties
• Compliance with relevant financial regulations and security standards

While all investments carry some risk, our model is designed to provide stable, predictable returns with multiple layers of security.

Each investment tier has a different minimum commitment period:

• Starter Tier: 12-month minimum commitment
• Growth Tier: 6-month minimum commitment
• Impact Tier: Flexible commitment options

Early withdrawals may be accommodated on a case-by-case basis, subject to a withdrawal fee (typically 2-5% depending on timing) and a notice period:

• Starter Tier: 30-day withdrawal notice period
• Growth Tier: 15-day withdrawal notice period
• Impact Tier: Priority access to liquidity

To request an early withdrawal, contact our Investor Relations team through your dashboard or via email.

Your investment directly funds GPOD's earned wage access platform, which allows workers to access their already-earned wages before traditional payday through a fair, fixed-fee model.

This creates social impact in several ways:

• Prevents workers from using predatory payday loans with excessive interest rates
• Reduces financial stress and improves mental wellbeing
• Helps workers avoid overdraft fees and late payment penalties
• Supports financial inclusion for underbanked populations
• Improves worker retention and satisfaction for employers

You can track your personal impact metrics through your investor dashboard, seeing exactly how many workers your investment has helped.

GPOD provides comprehensive tax documentation for your investment returns:

• Annual tax statement summarizing all distributions and their classifications
• Interest income certificates as required by UK tax authorities
• Documentation for foreign tax requirements for international investors (where applicable)

All tax documents are made available in your investor dashboard under the "Statements" section by January 31st each year. You'll receive an email notification when new tax documents are available.

Note: GPOD does not provide tax advice. Please consult with a tax professional regarding your specific situation.

Yes, you can increase your investment amount at any time, subject to availability. Additional investments can be made through your investor dashboard:

1. Log in to your investor dashboard
2. Select "Increase Investment" option
3. Enter the additional amount you wish to invest
4. Review and confirm the transaction
5. Transfer the funds using the provided payment details

If your increased investment total qualifies you for a higher tier, your entire investment will be upgraded to the new tier's benefits and return rates upon receipt of the additional funds.