How It Works Benefits Structure FAQ Join Waitlist
Open to all investors

~7–9% annual income, paid monthly

Tax-deferred income from Nasdaq-listed securities. SIPC protected. No accreditation required.

See How It Works
~7–9%
Target Net Yield
Monthly
Income Payments
Tax-Deferred
Return of Capital
$500K
SIPC Protection
How It Works

Three steps to start earning

Deposit cash in the Crobo app. A registered investment adviser manages your individual brokerage account to generate high-yield income.

1

Deposit

Fund your account via ACH in the Crobo app. Cash goes into your own individual brokerage account.

2

Invest

Your adviser allocates to high-yield Nasdaq-listed preferred stocks and a cash reserve for stability.

3

Earn

Dividends flow monthly into your account. Withdraw anytime at market value with T+1 settlement.

~7–9%
Target net annual yield
$500
Minimum Deposit
No Lock-ups
Withdraw Anytime
Your Yield

Income stays stable, even when markets don't

Dividends are paid on par value, not market price. If the underlying security drops from $100 to $90, your monthly income stays the same. Only your account value fluctuates.

  • Monthly income unaffected by price swings
  • Larger accounts pay lower fees, keep more yield
  • Tax-deferred — $0 federal income tax until you sell
  • ~2x the after-tax return of a savings account
The Sweet Spot

Higher yield than savings.
Lower volatility than stocks.

Crobo Earn sits in the gap most investors don't know exists — earning meaningfully more than a savings account, without the rollercoaster of the stock market.

High-Yield Savings
~4.5%
Crobo Earn
Managed Preferred Stock
~7–9%
Index Funds
~10%*
← Lower risk
Volatility
Higher risk →
Stable but low.
FDIC insured. Principal safe. But you're barely beating inflation after taxes.
The sweet spot.
Steady monthly income from preferred stock. Principal fluctuates modestly. Tax-deferred.
High but volatile.
Great long-term returns — but 20–40% drawdowns happen. No income guarantee.

*Index fund returns are historical averages (S&P 500) and include years of significant loss. Crobo Earn targets are not guaranteed. Your account value will fluctuate. Past performance is not indicative of future results.

Thinking about the competition? Be our guest.

Higher after-tax yield than
High-yield savings CDs Treasury bills Bond funds
More predictable income than
Index funds Robo-advisors Dividend ETFs
More accessible than
Private credit Hedge funds Real estate syndications
Why Crobo Earn

High yield, real structure

High-yield savings pay ~4.5%. Bonds barely beat inflation. Crobo Earn targets ~7–9% with tax-deferred income and real investor protections.

~7–9% Target Yield

Net annual yield after fees, paid monthly. Larger accounts pay lower fees and keep more.

SIPC Protected

Your assets sit in your own individual brokerage account, protected by SIPC up to $500K. You own the securities directly.

Tax-Deferred Income

Dividends classified as Return of Capital — $0 federal income tax the year you receive them. Taxes deferred until you sell.

Open to Everyone

No accreditation required. Structured as a managed account under SEC Rule 3a-4 — open to all retail investors.

Monthly Income

Dividends paid monthly into your account. Income is based on par value, so it stays consistent even when the market moves.

Withdraw Anytime

No lock-ups. Request a withdrawal and receive market value with T+1 settlement.

The Comparison

How Crobo Earn stacks up

Savings Account Bond Fund Robo-Advisor Crobo Earn
Annual Yield ~4.5% ~4–5% Variable ~7–9% target
After-Tax Yield (24% bracket) ~3.4% ~3–3.8% Variable ~7–9% (deferred)
Accreditation Required No No No No
Liquidity Instant Daily Daily T+1 settlement
SIPC / FDIC FDIC $250K SIPC $500K SIPC $500K SIPC $500K
Principal Guaranteed Yes No No No
How It's Built

Your own brokerage account, professionally managed

Standard managed account architecture — the same structure used across the wealth management industry, adapted for high-yield income.

  • Individual FBO Account

    You own the assets directly in your own "For Benefit Of" brokerage account. Nothing is pooled. Your assets are legally yours.

  • Registered Investment Adviser

    Beckett Collective, an independent fiduciary RIA, manages your account to a model portfolio. They have trading authority, not ownership — your assets are protected.

  • FINRA-Registered Custodian

    A FINRA and SIPC member broker-dealer holds your securities, executes trades on Nasdaq, and handles KYC/AML compliance.

  • Nasdaq-Listed Securities

    The portfolio holds perpetual preferred stocks traded on Nasdaq — standard equity securities, not crypto assets.

Not a fund. Not a bank. Not crypto.

Crobo Earn is a managed account program under SEC Rule 3a-4. You own standard Nasdaq-listed preferred stock — not Bitcoin, not a token, not a pooled fund. The issuer (Strategy, Inc.) holds Bitcoin on its balance sheet, but your preferred shares pay a fixed dividend independent of Bitcoin's price.

Your assets are segregated from all other parties' creditors. If the custodian or Crobo goes bankrupt, your assets remain yours — protected by SIPC up to $500K.

Target distribution rate, reviewed quarterly. Not FDIC insured. Account value fluctuates with market price. Consult your tax advisor.

FAQ

Common questions

Everything you need to know before you start earning.

What am I actually investing in?

+
You own shares of high-yield perpetual preferred stocks listed on Nasdaq (primarily STRC from Strategy Inc., formerly MicroStrategy) plus a cash/T-bill reserve. These are standard equity securities available on any brokerage platform — not crypto, not a fund, not a bank deposit.

How is the yield generated?

+
The underlying securities pay a gross yield of approximately 10.25%. After the all-in advisory fee is deducted, you net approximately 7–9% depending on your account size. Accounts under $25K pay a 3.00% fee (netting ~7.25%), while accounts over $500K pay just 1.25% (netting ~9%). The larger your account, the more you earn.

Why is my income stable if the price moves?

+
Dividends are calculated on the $100 par value, not the market price. If the underlying security drops from $100 to $90, the dividend stays the same. Your monthly income continues unchanged — only your account value fluctuates. A cash reserve further dampens volatility.

What does "tax-deferred" mean?

+
STRC dividends are classified as Return of Capital (ROC). 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 capital gains rates (0–20%) instead of ordinary income rates (up to 37%). On a $10,000 investment, a savings account at 4.5% nets you ~$342 after taxes vs. ~$725 with Crobo Earn (at the entry-level tier) — all tax-deferred.

Can I withdraw my money?

+
Yes. Request a withdrawal anytime in the Crobo app. The RIA sells from the cash reserve first to avoid selling securities at a bad price. If it's a full withdrawal, securities are sold at market price on Nasdaq and settled T+1. You receive market value — there are no lock-ups or penalties.

Is my money safe?

+
Your assets are held in your own individual brokerage account, protected by SIPC up to $500K. You own the securities directly — they are legally segregated from the custodian, the RIA, and Crobo's creditors. This is NOT FDIC insured and your principal is NOT guaranteed. Your account value will fluctuate with market prices.

Do I need to be an accredited investor?

+
No. Crobo Earn is structured as a managed account program under SEC Rule 3a-4, which means it's open to all retail investors without accreditation requirements.

What are the fees?

+
Crobo Earn charges an 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. All custody and execution costs are included — there is no separate broker fee. The yield you see is your net return after this single fee is deducted. Larger accounts earn more.

Be the first to earn

~7–9% target annual income, paid monthly, tax-deferred. Open to all investors. No lock-ups, no minimums beyond $500.

Join the waitlist

Be among the first to earn ~7–9% annual income, paid monthly and tax-deferred.

No spam. We'll only email you when we launch.