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.
随着低风险国债和基于电影配乐的投机性产品等多样化产品越来越受欢迎，零售投资正在流行。
Royalty-based products begin with Shrek score
基于特许权使用费的产品以《怪物史莱克》分数开头
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.
在风险范围的另一端，Public.com也增加了对无形资产的发行。它提供的第一项是对艺术品的投资。这促成了其首款基于特许权使用费的产品。
"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.
零售投资应用程序Public.com首席运营官斯蒂芬·赛克斯在本辛加的金融科技交易日和颁奖典礼上表示：“我们的第一笔资产是基于史莱克电影的分数，这是一种高收益、不相关的资产，我们的客户在很短的时间内就超额认购了该资产。”
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.
赛克斯补充说，自疫情以来，零售投资发生了变化，因为在通货膨胀和利率上升以及可支配收入减少的经济背景下，客户变得更加谨慎。
"Retail investing is like an after-tax investment account," he said.
他说：“零售投资就像税后投资账户。”
"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."
“该行业已经从2020-2021年的投机性发展年转向了基础更广泛、更保守的以收入为中心的资本配置。”
Public.com introduces direct Treasury investing
Public.com 推出国债直接投资
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).
当Public.com于2019年推出时，与大多数竞争对手一样，它主要关注股票和ETF，其次是大宗商品（纽约证券交易所代码：CMDY）等其他资产类别。但是，随着利率开始上升，该公司发现其客户在询问如何在不使用ETF（BATS: GOVT）的情况下获得美国国债市场的敞口。
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，由于投资者要求美国政府债券市场获得较低风险的收益率，Public.com使用了与股票发行中使用的相同类型的分割技术来推出美国国债产品，这意味着客户不必购买整只股票。
"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."
赛克斯说：“传统上，投资国库券涉及较高的最低投资额和昂贵的老派经纪商。”因此，我们引入了国债投资，这使投资者获得固定收益投资的机会几乎与投资储蓄账户一样容易。”
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.
随着散户投资者财务知识的提高，他们对推动RobinHood（纳斯达克股票代码：HOOD）等平台股票的投机热潮变得更加谨慎。他们的需求在变化，平台也在随之变化，以满足对新产品的需求。
Now Read: Ark Invest's Cathie Wood Says The Price Of One Bitcoin Could Rise To $1.5M
立即阅读：方舟投资的凯西·伍德说，一枚比特币的价格可能升至150万美元
