investment vehicles
Educational articles in this subcategory.
Custodial Accounts UTMA and UGMA Basics
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Direct Indexing for Tax Management
# Direct Indexing for Tax Management What if you could own the SP 500 but harvest tax losses on individual stocks throughout the year? That is direct...
Brokered CDs and TreasuryDirect Accounts
# Brokered CDs and TreasuryDirect Accounts Want guaranteed returns with government backing? **I Bonds** currently pay **4.03%** (November 2025 - Apri...
Target-Date Funds Glide Paths and Costs
# Target-Date Funds: Glide Paths and Costs Target-date funds manage over **3 trillion in assets** because they solve the hardest problem in investing...
Index Funds vs. Actively Managed Funds
# Index Funds vs. Actively Managed Funds Over 20 years, **94.1% of domestic equity funds** underperformed their benchmarks (SPIVA, 2024). This is not...
Comparing ETFs Mutual Funds and Closed-End Funds
# Comparing ETFs, Mutual Funds, and Closed-End Funds In 2024, only **5% of ETFs** distributed capital gains to shareholders compared to **43% of mutu...
Brokerage Account Types Individual Joint and Trust
# Brokerage Account Types: Individual, Joint, and Trust How you title your brokerage account matters more than most investors realize. The wrong stru...
Solo 401(k)s and SEP IRAs for Self-Employed Investors
# Solo 401(k)s and SEP IRAs for Self-Employed Investors Self-employment offers many freedoms, but retirement saving is not one of them - **you must b...
Traditional IRA vs. Roth IRA Rules
The Traditional vs. Roth IRA decision shows up in portfolios as **choosing the wrong account for your tax trajectory**, **missing contribution deadlin...
401(k) and 403(b) Employer Plans Explained
Employer retirement plans show up in portfolios as **free money left on the table** (when you skip the match), **tax-deferred compounding ignored** (w...
Taxable Brokerage Accounts vs. Retirement Accounts
The account you invest in matters as much as what you invest in. Most investors focus entirely on picking funds while ignoring **account selection**—a...