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Robinhood wants you to trade football.

The same app that lets you trade stocks and crypto now also lets you engage in “prediction markets” on pro and college football.

They just launched event contracts — financial contracts that pay out if certain outcomes occur. Think:

It’s like DraftKings and Fidelity had a sexy yet problematic baby. Forget Gay Son or Thot Daughter, Robinhood is the problematic child your parents really feared.

This isn’t a separate app. Robinhood is baking these contracts right into its brokerage platform. Which means your stock portfolio and your weekend sports picks are now live under the same roof.

You may be wondering, “What’s the difference between prediction markets and sports betting?”

…

And you would be right!

They appear different to regulators, which is why Robinhood is able to offer them — but to you and me, they feel pretty much the same.

So beware of these prediction markets. They’re very similar to sports betting, which is gambling, which is addictive, and generally not profitable.

Robinhood is also a platform that you can invest on — but it’s one among many.

So why do people talk about Robinhood so much?

Once upon a time, a brokerage was boring, complicated, and probably expensive.

You called someone or navigated a horrendous website, bought a few stocks or maybe an ETF, got charged a fee to buy them, and then called it a day.

Then came Robinhood.

Robinhood was truly novel because it made investing fee-free (uncommon for the time) and extremely easy with its simple, approachable platform.

This concept was so impactful that most popular investment platforms now no longer charge trading fees on stocks and ETFs.

So this made investing easier for everyone — hooray!

The issue is, Robinhood was often criticized for encouraging users to make irresponsible investment decisions by leveraging its attractive user interface.

Using the same platform for your retirement investing as you use for sports betting (“predicting”) may lead to poor results.

So while Robinhood is one of the most historic investment platforms, it may also incentivize you to make financially irresponsible choices.

Because many platforms offer a lot of the same features (fee-free trading, investing with small amounts of cash), it’s important to consider what your needs are.

There are other, more established investing options like Fidelity, Schwab, and Vanguard that are less sexy than Robinhood — but you can do most of what you need.

And there are newer platforms like Wealthfront, Webull, and SoFi, but you should be cautious of less well-known brands.

Do not join “SuperMoney x3000” because your friend said you’ll be certified rich if you just hand over your Social Security number.

Decide which one is right for you, based on your needs.

If Robinhood is fast-food investing, Wealthfront is the prepped, highly nutritious meal-kit version.

If you’re interested in investing and don’t know where to start, Wealthfront is a strong option because of its automated stock portfolios.

This fee is small but can eat into your gains, so it’s worth noting.
That said, Wealthfront is one of the easiest ways to start investing if you have $500 to begin with.

Also, quick reminder that I am not sponsored by any of the tools I note here. I wish I was! These are just the tools I use.

Check your zodiac sign, get a palm reading, figure out which platform fits you, and open an account (if you don’t already have one).

There are many options that are good, but either way:

Once you choose the platform, then you have to choose an account. Let’s talk more about that next week!

Whichever brokerage you choose, just remember:
It’s not about being the flashiest investor, it’s about still being an investor when everyone else’s “hot pick” goes cold. ;)

Thank you so much for being a part of this newsletter. I am grateful to write to you weekly and I hope this helps you feel more confident with your finances.

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