I currently have checking with PNC, Roth IRA with Schwab, a HYSA with Wealthfront, investments with Robinhood, crypto with Coinbase, etc. You kind of get the point. It's a lot to keep track of.
I was looking into Robinhood Gold and its perks of their 3% cash card, 3% IRA match ($225 if maxed), and $1k free margin.
I always liked Robinhood's simple user interface and thought that it would be easier to manage by having more things under one app.
I currently use a PNC Cash Unlimited card for the bulk of my purchases (2% cash back on everything). My Wealthfront HYSA is temporary boosted to 4.00% APY. Once that boost expires in a few months, it will revert back to 3.25% APY, which is the same number Robinhood is currently offering. I think I would keep my PNC checking because there are many physical locations in my geographic area.
What do you guys think? Is it better to leave it untouched and stay more diversified? Or is it potentially scary to put more of my eggs into one basket?
Thanks in advance.