TIME PERIOD Accumulation; prior to retirement
INVESTMENT OBJECTIVE
Long-term growth
INVESTMENT STRATEGY Seek higher, after-tax, after-fee investment returns by focusing on factors we can control. We do:

  • Keep expenses low
  • Portfolio rebalance
  • Tax-loss harvest
  • Goal track

Generally, we do not:

  • Stock pick
  • Sector weight
  • Market time
TYPICAL INVESTMENTS Exchange-Traded Funds (ETFs)
FUND FAMILIES
  • Vanguard
  • iShares
  • Goldman Sachs
ACCOUNT CUSTODIANS Betterment Investments