Subject: File No. S7-10-21
From: Cha r oberts
Affiliation: Disabled oef/oif vetetan

August 27, 2021

1. Do you have one or more online trading or investment accounts?
Yes, I have one or more accounts that I access online using a computer.

2. If your response to Question 1 is Yes, do you think you would trade or invest if you could not do so online using a computer or using a mobile app?
Yes

3. On average, how often do you access your online account?
Daily/more than once a day

4. On average, how often are trades made in your online account, whether by you or someone else?
Less often than once a month.

5. If you access your account online, did you have the account first, and only began to access it electronically later? Or did you open the account with the idea that you would access it electronically immediately?
I downloaded an app or visited a website first, and then opened up an account with the company

6. My goals for trading or investing in my online account are (check all that apply):
Save and grow my money for short-term goals (in the next year or two)
Save and grow my money for medium- to long-term goals

7. What would you like us to know about your experience with the features of your online trading or investment platform? (Examples of features are: social networking tools games, streaks, or contests with prizes points, badges, and leaderboards notifications celebrations for trading visual cues, like changing colors ideas presented at order placement or other curated lists or features subscription and membership tiers or chatbots.)
As i have etrade there have been no issues with so called gamification. The pro app is very professionally built yet lets user have easy access to quote data and trade info. If the data is correct has yet to be seen.

8. If you were trading or investing prior to using an online account, how have your investing and trading behaviors changed since you started using your online account? (For example, the amount of money you have invested, your interest in learning about investing and saving for retirement, the amount of time you have spent trading, your knowledge of financial products, the number of trades you have made, the amount of money you have made in trading, your knowledge of the markets, the number of different types of financial products you have traded, or your use of margin.)

9. How much experience do you have trading or investing in the following products (None, 12 months, 1-2 years, 2-5 years, 5+ years):
Stocks : 2-5 Years
Bonds : None
Options : None
Mutual Funds : None
ETFs : None
Futures : None
Cryptocurrencies : 1-2 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : None
Business Development Companies : None
Unit Investment Trusts : None

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
It appears that it could be susp/restricted based on tax bracket and connections. Also if hf make bad investments as naked selling and get pushed out of their short positions. Retail gets cut off.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
My experience with trading overall has been fairly negative. A person can do all the due diligence he wants but if the markets are tilted to favor the HF one asks himself whats the point. Retail investors are getting robbed blind in every direction. We are constantly attacked by main stream media and have little faith that any of the market protectors ie sec, finra, politicians care enough to actually protect out futures and investments. It seems the market protectors are only there to keep retail in the dark and assist with bail outs when these high leveraged banks make speculations and get caught. Tax payers ie retail are the ones that foot the bill. We are not uninformed idiots trading in a drunkard state that msm portrays. Yet hard working poverty stricken INVESTORS, betting on a company to fail is not investing its gambling, looking to better our families and the people around us lives. The young retail are the new wall street. At one point maybe there was excitement about the investment community. After long periods of getting robbed and watching msm and hfs pump and dump stocks its more like finding stocks we really like, buying and holding and hoping for the best.