Index investing
that gets youmore.

Just as easy as investing in an ETF, Frec Direct Indexing can help you earn more by unlocking tax savings, no matter the market.

Done for you, automatically.

Screenshot of Frec’s direct indexing product
Harvest up to 2x more tax losses than robo-advisors, for less than half the cost1

Next-level index investing

What if you could invest in the S&P indices while potentially saving thousands on your taxes?
It’s called Frec Direct Indexing.And it takes zero additional effort.
Tap to open the full screen modalSee how it works
Find out how much you could save on taxes →

Your money is
secure

Safety & privacy are our cornerstones

You always have access to your assets

Your funds are held in your name at third-party Apex Clearing, one of the largest US custodians holding over $114B in funds for prominent financial technology companies. In the unlikely event that something happens to Frec, your assets will be fully accessible.

We’re SEC regulated and a fiduciary

Frec is a Broker Dealer and Registered Investment Advisor. We’re regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). They both have the rights to perform regular audits. Plus, Frec Advisers is a fiduciary, meaning we are legally bound to do what is in your best interest.

Our technology is robust

We have strict measures in place to keep your data protected. Sensitive information is encrypted and measures like 2FA and auto log out are implemented for security. We’ve instilled transactional safety processes, ensuring that every transaction is monitored by a human. Our code is written securely and is regularly audited by third parties.

Your assets are insured

Frec is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

On top of this, Apex Clearing offers excess insurance protection with an aggregate of $150M.

How much more could your portfolio grow by reinvesting your tax savings?

In 10 years, your portfolio could be worth
$
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more than investing in an ETF
Daily tax loss harvesting can capture up to $19 in incremental tax savings for every $100 deposited and tack on an incremental 2% per year.
Read important disclosures

Customize your portfolio

Choose between the S&P 500 and the S&P 500 Information Technology indices and customize it by adding or excluding stocks or sectors. Make your portfolio personalized to you. 

video screenshot showing index customization

See how we’re different

Features
ETFs
Robo-advisors
Invest in the S&P 500
Daily tax loss harvesting of individual S&P 500 stocks
Customize by adding or removing stocks and sectors
Easily see the details of your trades
A robo-advisor is considered a digital platform that provides automated, algorithm-driven investment services with little human interaction. Frec Advisers is considered a robo-advisor. Robo-advisors typically charge an advisory fee based on assets in the portfolio. However, ETFs are exchange traded funds that are securities that trade on stock exchanges and typically charge a management fee shown as its expense ratio.

Sophisticated investing made simple

More pros, lower fees2

We charge a 0.10% annual fee for direct indexing. That’s almost on par with SPY’s expense ratio of 0.09%, but with the additional benefit of tax loss harvesting and customization. Compare that to 0.25% at Wealthfront, 0.40% at traditional brokerages, and 1.0% for many wealth advisors.

Learn more about our pricing
Access a portfolio line of credit

Considering selling your stocks for a big purchase? You don’t have to. Tap into a portfolio line of credit against your direct index portfolio at industry low fees. Use our Sell or Borrow tool to see if borrowing from a portfolio line of credit is an option for you.

Borrowing against a portfolio line of credit adds to your risks. Read more about those risks in Frec’s Margin Disclosure.

Transfer your existing stocks
Set up your direct index with your existing stocks so you don’t have to sell or risk becoming concentrated in a single stock. You can easily transfer stocks to Frec from your current brokerage.
Invest in what you already know
We license the S&P indices, which track the top companies in the US. With Frec, you’ll know exactly what you’re invested in at any moment.
Treasury

Why let your cash sit in a low-earning traditional bank account when it could be making you more?

Highly liquid & extremely secure

Pay off your credit card directly from your treasury account

Screenshot of Treasury's auto-deposit feature
For illustrative purposes only

We power

money market fund deposits

Learn more

See all resources

FAQ

Have more questions?

Schedule a video call with one of our licensed professionals.

Dimitri Rodrigo
Ashley Rodabaugh