大银行了上链后，更快，更安全（被hacked机会少了），极大减缩雇员（减小成本），全球吸金能力大增。Hood和大银行们such as JPM的顾客群不一样吧。
插入一个AI针对顾客群不同性的分析
| Attribute | J.P. Morgan (Chase) Clients | Robinhood Clients |
|---|---|---|
| Typical client profile | Affluent and high-net-worth individuals, large corporations, institutional investors, and governments. Chase's retail banking arm also serves millions of consumers and small businesses. | Younger, less experienced, and first-time investors, with a core user base of millennials and Gen Z. |
| Financial goals | Multi-generational wealth planning, complex investment strategies, long-term financial security, and sophisticated estate planning. | Accessibility to financial markets and building an initial investment portfolio. Clients often have shorter time horizons and are more focused on active trading. |
| Investment style | Favors a diversified, long-term, "buy-and-hold" approach, with a focus on comprehensive financial planning and risk management. | Often involves more active trading and speculation, with interest in short-term market movements and trendy assets. |
| Account size | Generally requires higher asset minimums for advised services and tends to have much larger average account balances. | Very low or no account minimums, with a significantly lower average account size. |
| Services and products | Full suite of integrated financial services, including personal and business banking, credit cards, mortgages, and sophisticated wealth management. Offers professional investment advising and a wider range of investment products like mutual funds and bonds. | Limited products focused on stocks, ETFs, options, and cryptocurrencies. Does not offer mutual funds or bonds. Services are largely self-directed, with an automated robo-advisor option. |
| User experience | Traditional brokerage experience with a robust research platform and the option for a dedicated financial advisor. The user interface is functional but can be clunkier for active traders. | Simple, gamified mobile-first platform designed to be intuitive for novice investors. The ease of use is a key selling point, though it has also drawn criticism for encouraging risky trading. |
| Customer support | Includes phone support, in-branch assistance, and dedicated advisors for wealthier clients. | Primarily offers 24/7 chat support, with phone access for more urgent issues and limited hours for administrative tasks. |
| Revenue model | Earns revenue from a wide range of sources, including interest on loans, advisory fees, investment banking, and payment for order flow on trades. | Relies heavily on payment for order flow (PFOF), interest on customer cash and margin loans, and a premium subscription service (Robinhood Gold). |
XLF在过去五年performance和xlk 差不多说明了XLF (Hood is not a holding of XLF) 本身的优越性？不觉得那种几代的老钱会去hood炒。Hood适合年青人蹦跶。
