Public Investing is offering a compelling incentive for investors to transfer their existing portfolios to their platform: an uncapped 1% match. This offer applies to various account types, including brokerage accounts, Individual Retirement Accounts (IRAs), and 401(k) rollovers, making it an attractive option for a wide range of investors looking to consolidate their assets or seek potentially better investment opportunities. The platform emphasizes the ability to construct a multi-asset portfolio, allowing users to invest in a diverse range of financial instruments such as stocks, options, bonds, and cryptocurrencies. This comprehensive offering aims to cater to different investment strategies and risk tolerances, enabling investors to tailor their portfolios to their specific financial goals. Furthermore, Public Investing provides an additional incentive for retirement savings by offering a 1% match on annual IRA contributions, encouraging users to prioritize long-term financial planning. It is crucial for potential investors to understand the terms and conditions associated with these offers. The 1% uncapped match on portfolio transfers may be subject to certain requirements, such as maintaining the matched funds in the account for a specified period to avoid early removal fees. Similarly, the IRA match program likely has its own set of rules and limitations. Investors should carefully review the details of these programs to ensure they align with their investment objectives and financial circumstances. Public Investing explicitly states that investing involves the risk of loss, including the potential loss of principal. This disclaimer serves as a reminder that all investment decisions carry inherent risks and that past performance is not indicative of future results. The platform offers brokerage services for various asset classes through different entities, each regulated by the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). These regulatory bodies provide oversight and protection to investors, ensuring that brokerage firms adhere to certain standards of conduct and financial stability. However, it is important to note that cryptocurrency holdings are not protected by the Federal Deposit Insurance Corporation (FDIC) or SIPC, highlighting the higher risk associated with investing in digital assets. Public Investing also provides access to treasury accounts offering 6-month T-Bills through Jiko Securities, Inc., further expanding the range of investment options available to its users. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank, adding a banking component to the platform's offerings. It is essential for investors to understand the distinction between securities investments and banking services, as they are subject to different regulatory frameworks and protections. Securities investments are not FDIC insured, do not carry a bank guarantee, and may lose value, while deposits held in FDIC-insured banks are protected up to certain limits. Public Investing encourages investors to learn more about the various risks and disclosures associated with its products and services by providing links to relevant information on its website. These disclosures cover topics such as options trading, fee schedules, rebate programs, high-yield cash accounts, and bond accounts. Investors should take the time to carefully review these materials before making any investment decisions to ensure they are fully informed about the potential risks and rewards involved. The platform also offers an AI-powered investment exploration tool called Alpha, which utilizes GPT-4, a generative large language model developed by OpenAI. While Alpha can provide insights and information to assist investors in their decision-making process, it is crucial to understand that any material generated by Alpha should not be construed as investment research, advice, or a recommendation to buy or sell a security. Investors should not rely solely on Alpha's output as the basis for their investment decisions and should conduct their own independent research and analysis before making any trades. Public Investing is committed to providing its users with the tools and resources they need to make informed investment decisions, but ultimately, the responsibility for those decisions lies with the individual investor.

Public Investing offers a comprehensive suite of investment options, including stocks, options, bonds, and cryptocurrencies, catering to a wide range of investment preferences and risk appetites. This multi-asset platform allows investors to diversify their portfolios and potentially mitigate risk by allocating capital across different asset classes. Stocks represent ownership in publicly traded companies and offer the potential for capital appreciation and dividend income. Options are derivative contracts that give the holder the right, but not the obligation, to buy or sell an underlying asset at a specified price on or before a certain date. Options trading can be complex and involves a high degree of risk, making it suitable for experienced investors who understand the intricacies of options strategies. Bonds are debt securities issued by corporations or governments that pay a fixed rate of interest over a specified period. Bonds are generally considered less risky than stocks and can provide a stable source of income for investors. Cryptocurrencies are digital or virtual currencies that use cryptography for security and operate independently of a central bank. Cryptocurrency investments are highly speculative and involve a high degree of risk due to their volatility and regulatory uncertainty. Public Investing provides access to these various asset classes through its self-directed brokerage accounts, allowing investors to manage their own portfolios and make their own investment decisions. The platform also offers educational resources and tools to help investors learn about different investment strategies and make informed choices. However, it is important for investors to understand the risks associated with each asset class and to carefully consider their own investment objectives and risk tolerance before making any investment decisions. Public Investing emphasizes the importance of diversification as a key strategy for managing risk and maximizing potential returns. By allocating investments across different asset classes, industries, and geographic regions, investors can reduce the impact of any single investment on their overall portfolio performance. Diversification does not guarantee a profit or protect against loss, but it can help to smooth out returns over time and reduce the volatility of a portfolio. Public Investing's multi-asset platform makes it easy for investors to diversify their portfolios and to adjust their asset allocation as their investment goals and risk tolerance change. The platform also offers a range of investment products, such as exchange-traded funds (ETFs) and mutual funds, that provide instant diversification across a basket of securities. ETFs and mutual funds can be a convenient way for investors to gain exposure to a particular market sector or investment strategy without having to individually select and manage a large number of securities. Public Investing's commitment to providing access to a wide range of investment options and educational resources makes it a valuable platform for both novice and experienced investors. However, it is important for investors to remember that all investing involves risk and that they should carefully consider their own investment objectives and risk tolerance before making any investment decisions. The platform's AI-powered investment exploration tool, Alpha, can be a helpful resource for generating investment ideas and conducting research, but it should not be relied upon as the sole basis for investment decisions. Investors should always conduct their own independent research and analysis before making any trades and should consult with a qualified financial advisor if they have any questions or concerns.

Public Investing provides a high-yield cash account as a secondary brokerage account, offering investors a safe and liquid place to store their cash while earning a competitive interest rate. Funds held in this account are automatically deposited into partner banks, where they earn a variable interest rate and are eligible for FDIC insurance. This feature provides investors with peace of mind, knowing that their cash is protected up to the FDIC insurance limits. The high-yield cash account is a valuable tool for managing cash flow and earning interest on idle funds. It can be used to save for short-term goals, such as a down payment on a house or a vacation, or to simply keep cash readily available for investment opportunities. The variable interest rate offered on the high-yield cash account is typically higher than the interest rates offered on traditional savings accounts at brick-and-mortar banks. This is because Public Investing is able to negotiate better rates with its partner banks due to the large volume of deposits it manages. However, the variable interest rate can fluctuate over time, so investors should be aware that the interest they earn on their cash account may change. Public Investing is not a bank itself, but it partners with FDIC-insured banks to provide banking services to its users. This allows Public Investing to offer a wide range of financial products and services without having to obtain a banking license. The partnership with FDIC-insured banks also ensures that investors' deposits are protected up to the FDIC insurance limits. Public Investing's commitment to providing a safe and secure platform for its users is evident in its partnership with FDIC-insured banks and its emphasis on transparency and disclosure. The platform provides detailed information about the high-yield cash account, including the interest rate, the partner banks, and the FDIC insurance coverage. Investors can easily access this information on the Public Investing website and can contact customer support if they have any questions. Public Investing also offers a bond account, which is a self-directed brokerage account that includes a selection of investment-grade and high-yield bonds. As of September 10, 2025, the average annualized yield to worst (YTW) across all ten bonds in the account is up to 5%. The YTW is a measure of the potential return an investor can expect to receive if they hold the bond until its maturity date or until the issuer defaults on the bond. However, the YTW is not guaranteed and can fluctuate over time depending on market conditions and the creditworthiness of the issuer. Public Investing charges a markup on each bond trade, which is disclosed to investors before they execute the trade. The bond account is not a recommendation of individual bonds or default allocations, and investors should carefully consider their own investment objectives and risk tolerance before investing in bonds. Bonds are generally considered less risky than stocks, but they are still subject to credit risk and interest rate risk. Credit risk is the risk that the issuer of the bond will default on its obligations, while interest rate risk is the risk that the value of the bond will decline as interest rates rise. Public Investing provides access to a range of educational resources and tools to help investors learn about bonds and manage their bond portfolios. However, it is important for investors to remember that all investing involves risk and that they should carefully consider their own investment objectives and risk tolerance before making any investment decisions.