If you clicked on an Affiliate link to arrive on this page, the affiliate that owns the link you clicked will receive cash compensation from Frec Markets, Inc (parent company of Frec Advisers LLC and Frec Securities LLC) [altogether referred to as “Frec”] for sponsored advertising materials, which creates an incentive that results in material conflict of interest. The Affiliate is not a client and this is a paid endorsement. The referenced Affiliate and Frec are not associated with one another and have no formal relationship outside of this arrangement. The referring Affiliates receive $3-$175 for every Frec customer who signs up for an account and completes certain actions.
Why Frec Direct Indexing?
Frec Direct Indexing unlocks tax-saving strategies to help you achieve higher returns with the same simplicity as ETFs. Don't settle for ETFs—unlock the full potential of your investments.
Learn more about direct indexingTax efficient
Generate tax saving opportunities worth ~40%1 of your invested capital over 10 years. For a $500k investment, that's $200k which can be used to lower your tax bill.
Personalized
Choose from 25 indices, such as S&P 500® and Russell 2000®, tracking companies across various market caps, sectors, and regions. Then customize by adding or excluding stocks or sectors.2
Low fees & Low minimums3
Frec's direct index strategies start at 0.09%annual fee, one of the lowest in the industry. While some firms require $100k minimum deposits, at Frec it's $20,000.
Getting started is simple
Create your account, select and customize your index, fund it with cash or transfer over existing stocks, and start saving on taxes – all in just a few clicks.
Featured in
Chosen by employees at
“I really appreciate that using Frec is as easy as putting my money in an ETF, but it also has this other benefit, which none of the other services that I use have: reducing my taxes.”
Esther C.
Angel Investor
“I love the focus on the customer and the ongoing outreach. It's inspiring to see a financial company that actually listens.”
Dave A.
Marketing Manager
“If you're looking to do direct indexing for a fraction of the price advisors charge, I highly recommend Frec. They are also super responsive to feedback.”
Christina G.
Product Manager
“Frec takes a lot of the complexity of direct indexing you'd normally associate with firms like Goldman Sachs or Morgan Stanley and makes them much easier to use with lower minimums and lower costs.”
Ryan D.
Sales engineer
“Looking forward, direct indexing may well one day replace ETFs. People are going to recognize that having a passive indexing account at places like Frec is better than owning an ETF.”
Richard V.H.
Professor @ Poznan University
Testimonials may not be representative of the experience of other customers, there is no guarantee of future performance or success, and all are current Frec customers and were not paid for these statements.
Your money is secure
Safety & privacy are our cornerstones.
Your funds are held in your name at third-party Apex Clearing, one of the largest U.S. custodians with over $200B in assets for leading financial technology companies. In the unlikely event that something happens to Frec, your assets will be fully accessible.
Other products
Borrow at a low rate of 4.64%4
Portfolio line of credit
Considering selling your stocks for a big purchase? Tap into a portfolio line of credit against your direct index portfolio at industry low fees.
Learn moreEarn up to 3.35%5
Frec Treasury
Why keep your cash in a low-earning bank account when it could earn more? It's highly liquid, secure, and you can easily set up recurring deposits.
Get startedZero commission trading
Self-managed stocks
Trade individual tax lots, enable auto conversion into a direct index, or use them to fund a direct index. Other fees may apply.
Get startedOur pricing
Other direct indexing solutions are more expensive.
Traditional brokerages charge 0.40%, and wealth advisors may even charge as much as 1.0%.3
