Subject: File No. S7-10-21
From: Joe B
Affiliation: Wukong

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 both online using a computer and using a mobile app.

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?
No

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?
Once to a few times per 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 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.)
My experience varies by platform, easy to use and navigate apps are a huge plus. Access to information is great. I do feel like a majority of apps push fake news articles and opinion pieces to influence my trading, and it's usually bad advice.

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.)
started in the digital age

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 : 1-2 Years
Bonds : None
Options : Less Than 12 Months
Mutual Funds : None
ETFs : None
Futures : None
Cryptocurrencies : 1-2 Years
Commodities :
ClosedEnd Funds : None
Money Market Funds : 2-5 Years
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?
When big money and institutions stand to lose money to retail traders, they can shut off trading at their discretion to keep their wealth from going to others. Then they can simply put on some political theatre hearings and make us think the government cares. hint: they don't, they are complicit.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
The regulation in these markets seems to be set up to protect the wealthy at the expense of small retail traders. Laws are disregarded and the poor are exploited in the US market, this is my experience.