Ok, I'm not in their typical demographic (by age or assets), but I was trying to find a downside in their 3% matching offer for Roth IRAs. Can I really roll a 100K Roth into Robinhood, stuff it with SPY and write far OTM calls monthly or weekly to pay fees and commissions and let it sit for five years. I will have received 3% of my account in cash from them each year minus any residue of fees or commissions each year? It sounds like an automatic beat the market by 20% over five years to me, which would put you in like the top 10% of money managers, no? What am I missing, besides a five year hold? It's insured by SPIC. There has to be something, c'mon.