The questions worth asking first.

One. There are no tiers and no plans to choose between. Every member votes on the same ballot, and one basket trades in every member’s own Robinhood account. What differs between members is voting power, not membership: the most accurate members hold more of the vote, and that is measured from their record, not granted.

Voting power = capital × M. Capital is the stake you’ve committed to the club, and only the first $2,000 of it counts. M is a multiplier from your record: M = 2^{tanh(record ÷ 1%)}, so it runs from ½× to 2×, and a record of zero gives exactly 1× — a new member’s power is their capital. Your vote share is your voting power divided by the club’s total. The record is measured on paper: every pick you backed, against the S&P 500 one cycle after the vote at closing prices, credited whether or not that pick won the vote. Each cycle’s result is capped at ±10%, and the record blends recent form (60%, about a 13-cycle half-life) with your career record (40%). Power is recomputed on its own schedule, not after any one trade.

Two things. It reads your balances and positions, and it places market buy and sell orders for the names the club voted for. Only within the slice you allocate — a percentage or a fixed dollar amount, with a hard per-member ceiling on top. And anything you were already holding is left alone: the rebalance works from the club’s own execution record, so positions the club didn’t buy are never sold.

No. There’s no pooled fund, no partnership account, no Concordia balance. Your cash and your shares sit in your own Robinhood account, in your name, the whole time. Concordia connects through Robinhood’s agentic API, and that connection can’t withdraw, transfer or move money out. Not “isn’t allowed to” — the integration has no such capability to call.

Yes. This is real money in real equities, and you can lose part or all of what you allocate. A vote is not a forecast; the club can be wrong, and being wrong together is still being wrong. Concordia guarantees nothing, promises no return, and its past record does not tell you what the next basket will do. Allocate only what you can afford to see fall.

You control whether you participate and how much you commit — not what wins the vote. That’s the point of a club. If you don’t like the direction, there are two exits, and they do different things. Switch participation off, and the club skips your account from the next cycle: no further orders, and the shares it already bought stay where they are, yours to sell whenever you like. Set your allocation to zero instead, and the next rebalance sells the club’s positions back out rather than leaving them stranded. Either way, anything you bought yourself is never touched. One honest caveat: both switches lock during the short window between a ballot closing and the basket executing — so nobody can vote at full weight, watch the tally, then defund the result.

Nothing today. No fee, no subscription, no share of profits. Whatever your broker charges for its own execution is between you and your broker.

Robinhood, today — an account with agentic trading enabled, which Robinhood opened in May 2026. That access is what lets the result of one vote execute in many separate accounts. You authorise the connection on Robinhood’s own consent screen — Concordia never sees or stores your password — and you can disconnect from either side at any time. The engine is built to add brokers as they open agent access; today that is Robinhood alone.

No. Concordia is a private investing club — not a registered investment adviser, not a broker-dealer, not a fund. Nothing on this site and nothing inside the club is a recommendation or personalised advice, and no one here is acting as your adviser. Members vote, each member’s own account executes, and each member is responsible for their own decisions.