Public.com

Public.com is a comprehensive investing platform designed for serious investors who want to manage a diverse portfolio in one place. Launched in 2019 with the mission to make public markets work for all, Public.com has evolved from offering fractional shares to becoming a robust multi-asset ecosystem. Users can invest in stocks, ETFs, options, cryptocurrencies, bonds, and US Treasuries. The platform is distinguished by its integration of artificial intelligence to deliver actionable insights and simplify complex financial data.

How to use Public.com

Getting started with Public.com is a straightforward process designed for both novice and experienced investors. First, you need to sign up and create an account, which can be funded in just a few minutes. Once your account is set up, you can explore the wide range of available assets. Use the platform's search and discovery tools to find stocks, ETFs, crypto, and bonds that align with your financial goals. For deeper analysis, you can leverage 'Alpha', the AI research assistant, by asking it specific questions about any asset. To automate your strategy, you can create 'Investment Plans' for recurring investments. The platform also features tools like 'Queue' to plan and execute multiple trades simultaneously and an 'Income Hub' to track your earnings from various assets.

Core Features of Public.com

• Alpha AI Assistant: An AI-powered research tool based on GPT-4 that provides real-time data, answers complex financial questions, summarizes earnings calls, and explains stock price movements.
• Multi-Asset Investing: A single platform to invest in stocks, ETFs, options, bonds (corporate, Treasury, municipal), cryptocurrencies, and high-yield cash accounts.
• Investment Plans: Automate your investing strategy by setting up recurring investments into a personalized portfolio of up to 20 stocks, ETFs, and cryptos, facilitating dollar-cost averaging.
• Earnings & Income Hubs: Access AI-generated earnings recaps, company KPIs, and investor presentations. The Income Hub provides a clear monthly breakdown and forecast of your earnings from income-generating assets.
• Options Trading with Rebates: A unique model where Public.com shares 50% of its options revenue with users, allowing them to earn rebates on every contract traded.
• High-Yield Cash Account: Earn a competitive APY on uninvested cash, with up to $5 million in FDIC insurance, far exceeding the standard coverage.
• Transparency and Security: Public.com does not accept Payment for Order Flow (PFOF) on equity trades, ensuring better price execution. The platform uses AES 256-bit encryption and is a member of FINRA and SIPC, protecting securities up to $500,000.

Use Cases for Public.com

Public.com is versatile and caters to a wide range of investors. Beginners can take advantage of fractional shares to invest in major companies with a small amount of capital and use automated Investment Plans to build their portfolios consistently. Seasoned investors can utilize advanced features like options trading, in-depth bond analysis, and the Alpha AI assistant for sophisticated research and strategy execution. Long-term investors can build diversified portfolios across multiple asset classes, including setting up IRAs with a 1% match. Tech-savvy users will appreciate the seamless integration of AI, which provides data-driven insights that were once only available to institutional investors.

Advantages of Public.com

The primary advantage of Public.com is its consolidation of diverse investment assets and powerful AI tools into a single, user-friendly platform. Its commitment to transparency, demonstrated by its no-PFOF policy, builds trust and aligns its interests with those of its users. The innovative revenue-sharing model for options trading and the high-yield, high-insurance cash account provide tangible financial benefits. Furthermore, the AI-powered features like Alpha, Key Moments, and the Earnings Hub democratize access to high-quality financial analysis, empowering users to make more informed decisions.

Pricing and Plans

Public.com offers a tiered account structure based on the user's account value, making its core features accessible to everyone while rewarding larger investors with premium benefits.

• Core ($1+ account value): Includes multi-asset investing, industry-leading yields, and access to AI-powered analysis tools.
• Premium ($50,000+ account value): Adds free extended-hours trading, free Investment Plans (avoiding transaction fees), and priority customer support.
• Concierge ($500,000+ account value): Offers white-glove VIP support from a dedicated account manager, personalized offers, and exclusive event invitations.

While there are no subscription fees for the core account, certain transaction fees may apply, such as a fee for crypto trades executed by their partner Bakkt Crypto. Premium members are exempt from certain fees, like those for Investment Plan transactions.