Betterment Invest & Save Money vs Public – Stocks and Options Usage & Stats

LOCK IN 6% OR HIGHER YIELD* WITH A BOND ACCOUNT Discover a new way to invest in a diversified portfolio of corporate bonds. Right now, you can lock in a 6% or higher yield* with regular interest payments. EARN REBATES ON EVERY OPTIONS TRADE You can earn a rebate of $0.06–$0.18 per options contract traded (based on monthly trading volume) with no commissions or per-contract fees. EARN 4.35% APY** ON YOUR CASH With our High-Yield Cash Account, you can earn 4.35% APY** on your cash. There are no fees and you get up to $5M FDIC insurance. ALPHA: AI FOR INVESTORS Get real-time investing context before you even know you need it with Alpha, AI for investors. INVESTMENT ANALYSIS Evaluate multiple assets at once, compare analyst ratings, explore earnings data, and more. PORTFOLIO MANAGEMENT Track your cost basis, access extended-hours trading, schedule recurring investments, and more. Public (c) 2024 Investors First(TM) Public is Available to U.S. residents 18+ and subject to account approval. All investing involves risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account offered by Public Investing, member FINRA & SIPC. Brokerage services for alternative assets offered by Dalmore Group, LLC, member FINRA & SIPC. Cryptocurrency trading services offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings not protected by FDIC or SIPC. Brokerage services for treasury accounts offering 6-month T-Bills offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services offered by Jiko Bank, a division of Mid-Central National Bank. SECURITIES INVESTMENTS: NOT FDIC INSURED; NO BANK GUARANTEE; MAY LOSE VALUE. See public.com/#disclosures-main for more info. Investors must review the Options Disclosure Document (ODD): public.com/ODD. Options are risky and not suitable for everyone. Fee Schedule: public.com/disclosures. Rebate varies from $0.06-$0.18 based on monthly trading volume and subject to change. Terms of the Rebate Program: public.com/disclosures/rebate-terms. A High-Yield Cash Account is a secondary brokerage account with Public Investing. Funds in this account are automatically deposited into partner banks where they earn a variable interest and are eligible for FDIC insurance. Neither Public Investing nor any of its affiliates is a bank. Learn more: public.com/disclosures/high-yield-account. * A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC and includes 10 investment-grade and high-yield bonds. As of 11/7/24, the average, annualized yield to worst (YTW) across all ten bonds is greater than 6%. A bond’s YTW is not “locked in” until the bond is purchased and is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Bond Accounts are not recommendations of individual bonds or default allocations. Public Investing charges a markup on each bond trade. Visit public.com/bond-account to learn more. **As of 11/7/24. Annual Percentage Yield (APY) is variable and may change without notice. Alpha is an artificial intelligence investment exploration tool powered by GPT-4—a generative large language model offered by OpenAI. Any material generated by Alpha is not and should not be construed as investment research, advice, or recommendation to buy or sell a security, nor should the information provided serve as the exclusive basis for investment decisions. Supporting documentation furnished upon request. Public Holdings Inc 228 Park Avenue South, Suite 97716 New York, NY 10003