Competition · the prospect-stage experience
What eleven banks and fintechs show a prospect.
Eleven private banks and fintechs, checked against their public pages this week and the underlying reviews. Each line is what a prospect actually sees before they sign up — and the question that matters: does anyone show a prospect a specific idea?
| Player | What a prospect actually sees | Shows a prospect specific ideas? |
|---|---|---|
| Private banks — research and an adviser, but only themes for a prospect | ||
| UBS | The CIO House View: sectors and themes on the open site. The named “26 stocks for 2026” list goes to clients first and reaches the public mainly through the press. | No. The named list is kept for clients; a prospect sees themes. |
| Goldman Sachs | A 2026 markets outlook. The detailed research is marked “for qualified investors, not the general public.” | No. Themes and sectors only. |
| Julius Baer | Market Outlook 2026: sector and asset-class preferences, plus Next-Generation themes. | No. Themes, no names. |
| Pictet | “Ahead 2026” and seven trends. The odd company appears as an example of a trend, not as a pick. | No. Themes, the odd illustrative name. |
| DBS | A Treasures marketing page. The in-app knowledge check is real, but it lives after onboarding. | No, at this tier. |
| Fintechs — specific ideas, but built by a machine and gated, with no banker | ||
| Robinhood | A public top-100 “Investor Index,” then lists and analyst ratings after sign-up. The AI insights sit behind a $5/month tier. | Yes. Lists and ratings; the AI is paywalled. |
| Public | Themes, and “Generated Assets,” where a prompt builds a basket to backtest. Analyst insight sits behind an $8/month tier. | Yes. Themes and AI-built baskets. |
| Wealthfront | A risk quiz with no sign-in that names a risk profile. The full plan needs an account and linked balances. | Yes. A recommended portfolio, then gated. |
| StashAway | Performance ranges and a fee calculator with no account. A personalised portfolio after a five-minute questionnaire, before any KYC. | Yes. A recommended portfolio. |
| Endowus | Open insights and a free call with a licensed adviser. The recommender itself sits behind sign-up. | Only after sign-up. |
| SoFi | Robo portfolios from a goals-and-risk questionnaire, plus one free 30-minute session with a planner for members. | Yes. Model portfolios. |
Public pages and help docs pulled on 16 June 2026, alongside the underlying competitor reviews. Prospect-stage experience only.
No prospect sees a specific idea from a person.
The banks keep their named ideas for clients. The fintechs show a machine's version, behind sign-up. Across the field we reviewed, no prospect is shown a specific idea put together by a person.
We looked past the public pages too, at adviser-mediated and invitation-only flows. Based on the research, no competitor lets an adviser vouch for a prospect and open a set of specific ideas before they sign up.
That is the gap. The prototype answers a few questions from the prospect, lets the adviser stand behind them, and opens a set of implementation ideas across equity, fixed income and alternatives.
How this was checked
The table comes from public pages and help docs pulled this week, alongside the underlying competitor reviews. One correction worth stating plainly: UBS does publish a specific named stock list, but it goes to clients first and reaches the public mainly through the press, so a prospect on the open site sees themes, not the names. Goldman, Julius Baer and Pictet publish themes only, with security selection kept for clients; Goldman's research pages return a 403 to the public, which confirms the gating but means we are describing what is withheld, not inspecting it. We also searched beyond the public pages, at adviser-mediated and invitation-only flows, to test whether any competitor lets an adviser vouch for a prospect and open specific ideas before they sign up; based on the research, none does. Nothing here is asserted without a source.