# Help Center | Raise Financial

> Get help with common questions on Raise Financial

## General

- [What is Raise Financial?](https://help.raisefinancial.com/en/articles/10514129-what-is-raise-financial.md): Discover how Raise Financial provides innovative solutions for long-term investing and education savings.
- [What's with the pig?](https://help.raisefinancial.com/en/articles/10514275-what-s-with-the-pig.md): Learn the story behind Raise Financial's mascot "Raisin" and what it represents.
- [How do I change my notification settings for email and SMS?](https://help.raisefinancial.com/en/articles/10514081-how-do-i-change-my-notification-settings-for-email-and-sms.md): How to customize your email and SMS notifications
- [How do I edit my user details?](https://help.raisefinancial.com/en/articles/10514086-how-do-i-edit-my-user-details.md): How to update your personal information, including name, email, and contact details, in your Raise Financial account
- [How do I change my profile picture?](https://help.raisefinancial.com/en/articles/10514093-how-do-i-change-my-profile-picture.md): How to update your profile picture in your Raise Financial account.
- [Why do you only offer two products?](https://help.raisefinancial.com/en/articles/10547680-why-do-you-only-offer-two-products.md): Learn why Raise Financial focuses exclusively on Raise Investment and Raise Education.
- [Is ownership a thing of the past?](https://help.raisefinancial.com/en/articles/10547691-is-ownership-a-thing-of-the-past.md): Explore the evolving concept of ownership and how financial models like Raise Investment reflect this shift.
- [How do I get support?](https://help.raisefinancial.com/en/articles/10513791-how-do-i-get-support.md): Find out how to contact support for assistance with your account
- [How do I log in?](https://help.raisefinancial.com/en/articles/10513698-how-do-i-log-in.md): Learn how to securely log in to your Raise Education account.
- [How do I sign up?](https://help.raisefinancial.com/en/articles/10513688-how-do-i-sign-up.md): Learn the simple steps to create your Raise Financial account

## Investment

- [How does Raise Investment work?](https://help.raisefinancial.com/en/articles/10509287-how-does-raise-investment-work.md): Start with a larger position from day one. You keep the gains.
- [How is Raise Investment different from other investing products?](https://help.raisefinancial.com/en/articles/10504565-how-is-raise-investment-different-from-other-investing-products.md): Raise Investment empowers you with a large upfront investment
- [What assets is Raise Investment actually invested in?](https://help.raisefinancial.com/en/articles/10504567-what-assets-is-raise-investment-actually-invested-in.md): We invest in broad market exposure — not individual stock picking.
- [Does Raise Investment use leverage in its positions?](https://help.raisefinancial.com/en/articles/10504577-does-raise-investment-use-leverage-in-its-positions.md): No — your account has no leverage and no margin debt.
- [How does Raise Investment’s down-market protection work?](https://help.raisefinancial.com/en/articles/10508501-how-does-raise-investment-s-down-market-protection-work.md): It's not magic - it's math.
- [Why is time in the market better than timing the market?](https://help.raisefinancial.com/en/articles/10508602-why-is-time-in-the-market-better-than-timing-the-market.md): Because compounding rewards patience — and punishes guesswork.
- [Why is portfolio diversification important?](https://help.raisefinancial.com/en/articles/10508638-why-is-portfolio-diversification-important.md): Learn why diversifying investments reduces risk and enhances long-term stability.
- [Where does Raise Investment get its investment capital?](https://help.raisefinancial.com/en/articles/10508658-where-does-raise-investment-get-its-investment-capital.md): From our institutional capital partners — not from borrowing in your name.
- [How does Raise Investment make money? What’s the catch?](https://help.raisefinancial.com/en/articles/10508670-how-does-raise-investment-make-money-what-s-the-catch.md): We keep it simple: one flat monthly membership.
- [How much does Raise Investment cost?](https://help.raisefinancial.com/en/articles/10508892-how-much-does-raise-investment-cost.md): One flat monthly membership — no surprises.
- [How do I adjust my Raise Investment membership?](https://help.raisefinancial.com/en/articles/10508905-how-do-i-adjust-my-raise-investment-membership.md)
- [How do I cash out, or "exit", my Raise Investment membership?](https://help.raisefinancial.com/en/articles/10508915-how-do-i-cash-out-or-exit-my-raise-investment-membership.md): It's simple - just let us know when you're ready.
- [Does Raise Investment provide dividends?](https://help.raisefinancial.com/en/articles/10509089-does-raise-investment-provide-dividends.md): No — your returns build into your take-home value instead.
- [Who owns the initial principal in a Raise Investment account? Are my membership payments invested?](https://help.raisefinancial.com/en/articles/10509092-who-owns-the-initial-principal-in-a-raise-investment-account-are-my-membership-payments-invested.md): The principal is ours. The gains are yours.
- [What happens when the market takes a downturn?](https://help.raisefinancial.com/en/articles/10509139-what-happens-when-the-market-takes-a-downturn.md): Part protection, part full exposure — and no debt risk to you.
- [Does Raise Investment have a lock-up period?](https://help.raisefinancial.com/en/articles/10509174-does-raise-investment-have-a-lock-up-period.md): Short answer: no, but you should consider this as a long-term investment solution only
- [How is Raise Investment taxed?](https://help.raisefinancial.com/en/articles/10509261-how-is-raise-investment-taxed.md): Your gains are generally taxed when you exit — but specifics depend on your situation.
- [How do I know which Raise Investment membership is right for me?](https://help.raisefinancial.com/en/articles/10513513-how-do-i-know-which-raise-investment-membership-is-right-for-me.md): Learn how to choose the Raise Investment membership that's best for you.
- [When can I withdraw from my Raise Investment account?](https://help.raisefinancial.com/en/articles/10513552-when-can-i-withdraw-from-my-raise-investment-account.md): Learn when and how you can withdraw funds from your Raise Investment account.
- [For Raise Investment, what’s the difference between the "market value" and the "take-home value"?](https://help.raisefinancial.com/en/articles/10513578-for-raise-investment-what-s-the-difference-between-the-market-value-and-the-take-home-value.md): Market value is the total position in the market. Take home value is the gains above our advanced principal.
- [Do I owe anything if my portfolio loses value?](https://help.raisefinancial.com/en/articles/10546694-do-i-owe-anything-if-my-portfolio-loses-value.md): No - you’ll never owe us more than your membership fees.
- [What is Raise Investment?](https://help.raisefinancial.com/en/articles/10547304-what-is-raise-investment.md): Learn how Raise Investment provides a structured, membership-based approach to long-term investing.
- [Why does Raise Investment exist?](https://help.raisefinancial.com/en/articles/10547867-why-does-raise-investment-exist.md): Learn the purpose behind Raise Investment and how it addresses systemic barriers to wealth-building.
- [Why can’t I do Raise Investment myself?](https://help.raisefinancial.com/en/articles/10547935-why-can-t-i-do-raise-investment-myself.md): Learn why Raise Investment's model provides advantages that individual investors cannot easily replicate on their own.
- [How do I create a Raise Investment account?](https://help.raisefinancial.com/en/articles/10887291-how-do-i-create-a-raise-investment-account.md): Learn how to create a Raise Investment account
- [Why should I do this if I already have a 401k or IRA?](https://help.raisefinancial.com/en/articles/11669192-why-should-i-do-this-if-i-already-have-a-401k-or-ira.md): Because they play different roles — and can work together.

## Education

- [How does a 529 account differ from UGMA/UTMA accounts, Education Savings Accounts, or Custodial Accounts?](https://help.raisefinancial.com/en/articles/10547861-how-does-a-529-account-differ-from-ugma-utma-accounts-education-savings-accounts-or-custodial-accounts.md): Learn the key differences between 529 accounts, UGMA/UTMA accounts, Education Savings Accounts \(ESAs\), and Custodial Accounts.
- [What is a 529 account?](https://help.raisefinancial.com/en/articles/10547875-what-is-a-529-account.md): Learn about 529 accounts and how they help families save for education with tax advantages.
- [How do I report 529s on my taxes?](https://help.raisefinancial.com/en/articles/10887367-how-do-i-report-529s-on-my-taxes.md): Ask a tax professional
- [Why is Raise Education being sunset?](https://help.raisefinancial.com/en/articles/14172673-why-is-raise-education-being-sunset.md)
- [What happens to my existing 529 plan?](https://help.raisefinancial.com/en/articles/14172682-what-happens-to-my-existing-529-plan.md)
- [Do I need to move my money?](https://help.raisefinancial.com/en/articles/14172687-do-i-need-to-move-my-money.md)
- [Will I lose tax advantages?](https://help.raisefinancial.com/en/articles/14172692-will-i-lose-tax-advantages.md)
- [What changes on March 31, 2026?](https://help.raisefinancial.com/en/articles/14172696-what-changes-on-march-31-2026.md)
- [How do I keep recurring contributions going?](https://help.raisefinancial.com/en/articles/14172708-how-do-i-keep-recurring-contributions-going.md)
- [How do I know whether my plan provider is NY Saves or my529?](https://help.raisefinancial.com/en/articles/14172716-how-do-i-know-whether-my-plan-provider-is-ny-saves-or-my529.md)
- [Who is my plan provider? I don’t know if I have a my529 or NY Saves plan.](https://help.raisefinancial.com/en/articles/14172735-who-is-my-plan-provider-i-don-t-know-if-i-have-a-my529-or-ny-saves-plan.md)
- [How do I contribute to my 529 now?](https://help.raisefinancial.com/en/articles/14172743-how-do-i-contribute-to-my-529-now.md)
- [How do friends and family contribute now?](https://help.raisefinancial.com/en/articles/14172746-how-do-friends-and-family-contribute-now.md)
- [Do I need to open a new account?](https://help.raisefinancial.com/en/articles/14172761-do-i-need-to-open-a-new-account.md)
- [Where can I get help?](https://help.raisefinancial.com/en/articles/14172764-where-can-i-get-help.md)
- [How do I access and manage my NY Saves account directly?](https://help.raisefinancial.com/en/articles/14172906-how-do-i-access-and-manage-my-ny-saves-account-directly.md): How-to article for Raise Education users whose plan provider is NY Saves.
- [How do I access and manage my my549 account directly?](https://help.raisefinancial.com/en/articles/14172920-how-do-i-access-and-manage-my-my549-account-directly.md): How to guide for users with a my529 plan provider