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Drawing on my hands-on experience as a trader, I’ve closely reviewed E*TRADE’s diverse account offerings. While this broker presents several choices tailored for various financial goals, I find it crucial to approach each option with caution, especially considering the current lack of recognized regulatory oversight—a point I never overlook. The standard brokerage account is E*TRADE’s most versatile, letting me directly buy and sell stocks, ETFs, options, bonds, and mutual funds. For simple, self-directed trading and investing, it does provide what I need. The retirement accounts, including traditional and Roth IRAs, as well as SEP and SIMPLE plans, are designed for long-term savings, each with specific tax advantages. If building a nest egg is my priority, these might be suitable, but I would be wary about the fund safety given the regulatory concerns. Their core portfolios offer automated, robo-advised investment, which can seem appealing for those seeking a hands-off approach. Managed portfolios, on the other hand, provide guided investment strategies handled by professionals, which may suit anyone wanting a personalized touch. Both options can simplify the process, but again, without robust regulation, I would not be entirely comfortable handing over control of larger sums. For small business owners, E*TRADE offers business brokerage and retirement accounts, plus basic banking products. While this breadth appears comprehensive, I remind myself that none of these accounts are protected by an industry-standard regulatory authority. Ultimately, while each account type is structured for different customer profiles and objectives, for me, the absence of credible regulation outweighs the platform’s flexibility. I must stress: no matter how attractive these account options appear, I urge fellow traders to prioritize safety and due diligence above all else.