Is there an obligation to put all my initial amount in at once? It may be more or less or staggered over time?

No, you can stagger in your funds via BPAY if you would like, the minimum investment does have to be $50,000. We do ask that you let us know how much you will be opening your account with as Praemium does hold off allocating your funds until the full amount stated on your application has arrived.