Frec

What is Frec?

Frec revolutionizes investing by opening up elite direct indexing strategies to everyday investors. Instead of traditional funds, you directly hold the constituent stocks of leading indices like the S&P 500. The platform's intelligent algorithms perform daily tax-loss harvesting on individual stocks, significantly boosting tax efficiency. You can personalize your portfolio by selecting from numerous indices and adjusting sector or stock holdings. All this is offered for a straightforward advisory fee beginning at just 0.10%. Frec further enhances control with features like borrowing against your portfolio and high-interest treasury cash management, delivering unparalleled transparency and cost-effective wealth growth.

Key Features

100% Direct Stock Ownership

Gain direct ownership of stocks within major market indices. Nearly your entire investment is allocated to the underlying index components, maximizing potential tax benefits.

Daily Automated Tax Optimization

Leverage sophisticated algorithms and the MSCI Barra Risk Model to identify daily tax-saving opportunities at the individual stock level. This approach can generate up to double the tax benefits compared to standard ETF-based methods.

Highly Customizable Portfolios

Select from 14 different indices and tailor your investments by removing up to two sectors or adding/removing specific stocks. You also have flexibility in how dividends are reinvested.

Clear, Low-Cost Pricing

Benefit from a simple, flat advisory fee starting at 0.10%, with no hidden ETF fees. This ensures an affordable and transparent entry into direct indexing.

Investment-Backed Credit Line

Unlock liquidity by borrowing against up to 70% of your portfolio's value at attractive rates, allowing you to access funds without selling your holdings.

Premium Cash Management

Earn competitive returns on uninvested cash with a highly liquid, low-risk treasury fund seamlessly integrated into your account.

Use Cases

Tax-Aware Investing : Ideal for investors aiming to minimize capital gains taxes through automated, stock-level tax-loss harvesting.

Personalized Portfolio Building : Perfect for those who wish to customize their index exposure by excluding specific sectors or companies based on personal preferences or strategies.

Cost-Sensitive Investing : Attractive for individuals seeking a low-fee alternative to conventional robo-advisors and financial managers through direct indexing.

Flexible Liquidity Access : Suits investors who require ready access to cash without needing to sell their assets, using portfolio lines of credit.

Efficient Cash Utilization : Designed for users wanting to optimize returns on idle cash with a secure, high-yield treasury option.