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by this_user 4054 days ago
They are likely also making money by selling the customer's order flow to large institutions/HFT firms who will happily pay significant sums for this. This is something most other retail brokers are also doing and have been doing for a while. The result is that you as the customer are paying indirectly by getting screwed on your fills.

http://en.wikipedia.org/wiki/Payment_for_order_flow http://blogs.wsj.com/moneybeat/2014/06/13/payments-to-big-br...

2 comments

I wonder what the actual implications of "getting screwed on fills" really are.

If I'm buying AAPL as a casual retail consumer, and the market price at the absolute moment is $121.05, and I get "screwed" with a fill of $121.06, is that really a big deal? Especially considering that a few seconds later the true market price could jump in either direction?

As a professional trader who's head is in the moment, sure, that seems bad. But does it REALLY matter for a casual long-term investor? My hunch is no. (I know I couldn't care less if I pay a few pennies more or less - I'm not using Robinhood for day trading, and that's not the point or their pitch.)

> The result is that you as the customer are paying indirectly by getting screwed on your fills.

Citation needed. Its entirely possible that order flow traders are actually providing better/equivalent fills than can be obtained without them.

I've seen no long term studies one way or the other, though I admit on first blush order flow payment seems dodgy.