Shrek Royalties To T-Bills: Disruptive Diversification Of New Breed Of Retail Platforms
Shrek Royalties To T-Bills: Disruptive Diversification Of New Breed Of Retail Platforms
Sikes added that retail investing has changed since the pandemic, as clients are becoming more cautious amid an economic backdrop of higher inflation and interest rates – with less disposable income.Retail investing is catching on as products as diverse as low-risk Treasuries and speculative offerings based on film scores are becoming increasingly popular.
隨着低風險國債和基於電影配樂的投機性產品等多樣化產品越來越受歡迎，零售投資正在流行。
Royalty-based products begin with Shrek score
基於特許權使用費的產品以《怪物史萊克》分數開頭
Toward the other end of the risk spectrum, Public.com is also increasing its offerings of less tangible assets. One the first it offered was investment in art. This has led to its first royalty-based product.
在風險範圍的另一端，Public.com也增加了對無形資產的發行。它提供的第一項是對藝術品的投資。這促成了其首款基於特許權使用費的產品。
"Our first asset was based on the score of the Shrek movies and it was a high-yielding, uncorrelated asset that our customers oversubscribed to in a very short period of time," Stephen Sikes, COO at retail investing app Public.com, said at Benzinga's Fintech Deal Day and Awards.
零售投資應用程序Public.com首席運營官斯蒂芬·賽克斯在本辛加的金融科技交易日和頒獎典禮上表示：“我們的第一筆資產是基於史萊克電影的分數，這是一種高收益、不相關的資產，我們的客戶在很短的時間內就超額認購了該資產。”
Sikes added that retail investing has changed since the pandemic, as clients are becoming more cautious amid an economic backdrop of higher inflation and interest rates – with less disposable income.
賽克斯補充說，自疫情以來，零售投資發生了變化，因爲在通貨膨脹和利率上升以及可支配收入減少的經濟背景下，客戶變得更加謹慎。
"Retail investing is like an after-tax investment account," he said.
他說：“零售投資就像稅後投資賬戶。”
"The industry has seen a shift from the 2020-2021 speculative go-go years, towards a more broad-based and conservative income-focused allocation of capital."
“該行業已經從2020-2021年的投機性發展年轉向了基礎更廣泛、更保守的以收入爲中心的資本配置。”
Public.com introduces direct Treasury investing
Public.com 推出國債直接投資
When Public.com was launched in 2019, like most of its rivals it was mainly focused on equities and ETFs that followed other asset classes such as commodities (NYSE:CMDY). But as interest rates began to move higher, the company found its clients asking how they could gain exposure to Treasury markets, without having to go with an ETF (BATS:GOVT).
當Public.com於2019年推出時，與大多數競爭對手一樣，它主要關注股票和ETF，其次是大宗商品（紐約證券交易所代碼：CMDY）等其他資產類別。但是，隨着利率開始上升，該公司發現其客戶在詢問如何在不使用ETF（BATS: GOVT）的情況下獲得美國國債市場的敞口。
Within the last year Public.com has used the same type of fractionalization techniques used in its equity offerings, which mean clients don't have to buy whole stocks, to introduce Treasury products as investors have demanded lower-risk yield on the US government bond market.
去年，由於投資者要求美國政府債券市場獲得較低風險的收益率，Public.com使用了與股票發行中使用的相同類型的分割技術來推出美國國債產品，這意味着客戶不必購買整隻股票。
"Traditionally investing in T-bills involved high minimum investment and going through costly, old-school brokers," said Sikes. So we have introduced Treasury investing, making it almost as easy for investors to gain access to fixed income investments as it is to invest in a savings account."
賽克斯說：“傳統上，投資國庫券涉及較高的最低投資額和昂貴的老派經紀商。”因此，我們引入了國債投資，這使投資者獲得固定收益投資的機會幾乎與投資儲蓄賬戶一樣容易。”
As retail investors become more financially literate, they are becoming more cautious of the speculative boom that powered shares in platforms such as RobinHood (NASDAQ:HOOD). Their demands are changing and the platforms are changing with them to meet demands for new products.
隨着散戶投資者財務知識的提高，他們對推動RobinHood（納斯達克股票代碼：HOOD）等平台股票的投機熱潮變得更加謹慎。他們的需求在變化，平台也在隨之變化，以滿足對新產品的需求。
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