Earn ~7–9% target annual income

Crobo Earn is a professionally managed investment account. You deposit money, and an independent registered investment adviser manages your account to a portfolio of Nasdaq-listed preferred stocks and a cash reserve. You receive monthly income from dividends, can withdraw anytime, and own all the securities directly in your name. It is not a fund, not a bank deposit, and not a crypto product.

You open an account, link your bank, and deposit funds. Your money goes into your own individual brokerage account at a FINRA-member broker-dealer. The investment adviser allocates your funds to a model portfolio of Nasdaq-listed preferred stocks (~85%) and a cash/T-bill reserve (~15%). These preferred stocks pay monthly dividends, which become your income after the advisory fee is deducted.

The portfolio holds perpetual preferred stocks that pay monthly dividends. The dividend rate is set by the issuer and may be adjusted periodically. After the all-in advisory fee is deducted, you keep the remainder as income. Your target net income is approximately 7–9% annually depending on your account size. Target income rates are not guaranteed and will vary with market conditions and issuer dividend decisions.

There is a single all-in advisory fee based on your account size: 3.00% for accounts up to $25K, 2.25% for $25K–$100K, 1.75% for $100K–$500K, and 1.25% for accounts over $500K. This covers advisory services, brokerage, custody, and trade execution — there are no additional fees. The income figures shown on this site are net of this fee. Larger accounts pay lower fees and keep more.

Dividends from the underlying securities are currently classified as Return of Capital (ROC) by the issuer. This means you owe $0 in federal income tax the year you receive them — instead, they reduce your cost basis. When you eventually sell, the gain is taxed at long-term capital gains rates (0–20%) rather than ordinary income rates (up to 37%). This is tax-deferred, not tax-free, and is based on the issuer's current distribution structure, which could change in the future. Consult your tax advisor for guidance specific to your situation.

This is an investment, not a savings account. Your account value will fluctuate with the market price of the underlying securities and your principal is not guaranteed. The portfolio is concentrated in a small number of preferred stock issuers — it is not a diversified strategy. Dividend payments depend on the issuer's financial health — if the issuer reduces or suspends dividends, your income will decrease or stop. The tax-deferred treatment of dividends could change if the issuer's distribution structure changes. This is not FDIC insured. Past performance is not indicative of future results.

Yes. Request a partial or full withdrawal anytime in the app. Available cash in your account is used first. If additional funds are needed, securities are sold at market price on Nasdaq. You receive market value — there are no lock-ups, no penalties, and no early withdrawal fees. Total processing time is typically 3–5 business days.

Your assets are held in your own individual brokerage account at a FINRA-member broker-dealer. You own the securities directly — they are legally segregated from the custodian, the adviser, and Crobo's creditors. SIPC coverage applies if the broker-dealer fails, but does not protect against investment losses. This is NOT FDIC insured and your principal is NOT guaranteed. Your account value will fluctuate with market prices.

Three separate entities are involved, each performing only what they are licensed to do. Crobo Inc. provides the technology platform — the app you use. An independent, state-registered investment adviser manages your portfolio, directs all trades, and has a fiduciary duty to act in your best interest. A FINRA-registered broker-dealer holds your assets, executes trades on Nasdaq, and generates your statements and tax documents. You can contact the adviser directly at any time.

Crobo Earn is open to all U.S. residents age 18 and older. You do not need to be an accredited investor. The minimum initial investment is $1,000. You will complete a standard brokerage onboarding process including identity verification and a financial suitability questionnaire.