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Detailed analysis of the possibilities and features Public.com

Detailed analysis of the possibilities and features Public.com

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by Max Nevskyi

2 months ago


In today's world, investments are becoming an integral part of financial literacy. With the development of technology, platforms are emerging that simplify access to various financial instruments. One such platform is Public.com, which aims to make investments accessible and understandable for a wide audience. 

Contents:

Public

History and Mission of Public.com

Public.com was founded in 2019 with the goal of democratizing access to financial markets. The company started by introducing fractional investments, allowing users to purchase parts of shares, which significantly lowered the entry barrier for novice investors. Over time, the platform expanded its range of tools to include stocks, bonds, cryptocurrencies, and options. The mission of Public.com is to create an inclusive investment community where everyone can access the knowledge and tools needed for effective financial management.

Key Features and Tools

Public.com is an innovative platform that combines the capabilities of an investment tool with a social network. This makes it a unique choice for both novice investors and experienced traders. The platform’s key features include:

  1. Multi-asset investing: The platform provides access to over 9,000 stocks and ETFs, as well as bonds, cryptocurrencies, and options. This allows users to diversify their portfolios and choose tools that align with their investment goals.
  2. Fractional investments: The ability to purchase parts of shares makes investing accessible to a wide audience, enabling users to start with small amounts.
  3. Social investing: Public.com integrates social network elements, allowing users to follow each other's investments, share ideas, and discuss strategies. This fosters learning and financial literacy among community members.
  4. Analysis tools: The platform provides built-in price alerts, extended trading hours, and automatic dividend reinvestment, helping investors manage their portfolios more effectively.

Public.com creates a convenient space for those who want to invest and learn simultaneously by exchanging experiences with others. This makes it an excellent tool for achieving financial goals and enhancing knowledge about the world of investments.

Fees and Charges

Public.com offers commission-free trading of stocks and ETFs, making investments more accessible and reducing user costs. However, the platform charges an inactivity fee after six months of inactivity. Additionally, cryptocurrency trading is subject to a 1.25% fee on transactions over $500; for smaller amounts, a tiered fee from $0.49 to $6.29 applies. It is noteworthy that Public.com does not accept payment for order flow (PFOF) on stock trades, contributing to more transparent pricing and aligning the platform's interests with those of its clients.

Platform Security and Regulation

Public.com adheres to high security standards and is regulated by reputable financial authorities. This makes the platform a reliable tool for investors but also has certain limitations.

Parameter Description
Regulators U.S. Securities and Exchange Commission (SEC), FINRA
Funds insurance SIPC program up to $500,000, including up to $250,000 for cash
Negative balance protection Not available
Banking license Not available
Stock exchange listing Not listed

Although Public.com provides reliable fund insurance and is regulated by key authorities, the lack of negative balance protection and a banking license may be a significant factor for investors seeking maximum security.

User and Expert Reviews

Opinions on Public.com among users and experts are divided. Many highlight the platform's ease of use, wide range of investment tools, and absence of commissions for trading stocks and ETFs. The social investing feature, which allows for the exchange of ideas and strategies within the community, is particularly praised. However, some users express dissatisfaction with the limited product range, lack of retirement accounts, and advanced trading tools. Additionally, the platform is only available to clients in the U.S., limiting its international appeal. 

Conclusion

Public.com is a modern investment platform that combines accessibility, broad functionality, and social network elements. It is suitable for both novice and experienced investors, offering multi-asset investing, fractional shares, and analysis tools. Its transparent fee policy and high-security standards make it an attractive choice for users in the U.S. However, geographic restrictions and the absence of retirement accounts leave room for improvement. Public.com continues to evolve, aiming to democratize access to investments and enhance financial literacy.

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