App Profile: Frec: Direct indexing

Keep more of what you earn with Frec Direct Indexing. Get market returns on indices like the S&P 500 while saving on capital gains taxes at fees as low as 0.1%.

With the Frec mobile app, you can easily manage your investments and take control of your financial future.

DIRECT INDEXING
Own individual stocks in major indices like the S&P 500 or Russell 2000 while benefiting from daily tax-loss harvesting. Frec automates the entire process for effortless, passive investing. Customize your portfolio by excluding or adding stocks, and enjoy tax-efficient, diversified growth with more control.

BORROW AGAINST YOUR STOCKS
Need cash for a big purchase or to fund your direct index? Tap into a portfolio line of credit (PLOC) and access cash at industry-low fees—without selling your stocks. Our rate is always the Effective Federal Funds Rate + 1%.

EARN MORE ON IDLE CASH
Maximize returns on idle cash with higher yields while keeping it secure. Our highly liquid Treasury makes it simple to set up and manage recurring deposits.

TRADE WITHOUT COMMISSION FEES
Invest in individual stocks and ETFs with zero commission fees, and easily transfer stocks from other brokerages.

YOUR MONEY IS SECURE WITH US
Your assets are held securely with Apex Clearing, a custodian trusted with $141B in assets. We use encryption, 2FA, and manual monitoring to protect your data. Frec is a member of SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org. Additional coverage up to $150M from Apex.

EASY TO START
Get started in minutes—set up your account, customize your portfolio, and begin investing without hassle.

COMING SOON: MORE WAYS TO INVEST
Onboarding for trust and business accounts is coming soon. You can open these accounts on our web version and use the app after account approval, making it simple to manage family assets or invest for your business with Frec’s low fees and tax-efficient solutions.

Disclosures:
Product images are for illustrative purposes only and are not a trade recommendation. There are no trade commission fees, but other fees may apply. See Frec’s fee schedule at https://docs.frec.com/pricing-fee-schedule.pdf

Frec’s AUM fees range from 0.10%-0.45% depending on the direct index strategy. Frec’s Large Cap index 0.10% fee is lower than the other retail direct index providers: Wealthfront: 0.25% & Fidelity: 0.40%

Borrowing on margin can increase your investing risk. Read Frec's Margin disclosure before borrowing. As of 12/12/2024, Frec's 5.58% borrow rate is lower compared to US News & World Reports' 2024 top four largest brokerage firms lowest rates: Charles Schwab: 11.00%; Fidelity: 12.325%; Vanguard: 11.25%; and JP Morgan Chase: 12.50%.

5 of the 14 index strategies require a $50,000 minimum.

Customers can customize up to 10 stocks to be added or removed for each index and up to 2 sectors removed for indices with multiple sectors. All indices are products of their corresponding companies and licensed for use by Frec.

All information on this publication is as of 12/12/2024. Investing involves risk, including the risk of loss. Brokerage services provided by Frec Securities LLC, member FINRA/SIPC, and advisory services provided by Frec Advisers LLC, an SEC-registered investment adviser, both wholly owned subsidiaries of Frec Markets, Inc.

You must be 18 years or older and a legal US resident to open an account.

Address: 171 2nd St., 3rd Flr., San Francisco, CA 94105
Email: [email protected]