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Optimized Portfolio

Investing and Personal Finance

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  • Investing 101
    • Beginners Start Here – 10 Steps To Start Building Wealth
    • What Is the Stock Market? How It Works & How to Invest in It
    • How To Invest in an Index Fund – The Best Index Funds
    • Portfolio Asset Allocation by Age
    • How To Invest Your Emergency Fund
    • Portfolio Diversification – How To Diversify Your Portfolio
    • Dollar Cost Averaging vs. Lump Sum Investing (DCA vs. LSI)
    • How To Invest Your HSA (Health Savings Account)
    • Factor Investing and Factor ETFs – The Ultimate Guide
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  • Lazy Portfolios
    • All Weather Portfolio
    • Bogleheads 3 Fund Portfolio
    • HEDGEFUNDIE’s Excellent Adventure
    • Warren Buffett Portfolio
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    • Paul Merriman Ultimate Buy and Hold Portfolio
    • Ben Felix Model Portfolio
    • Permanent Portfolio
    • David Swensen Portfolio
    • 60/40 Portfolio
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  • Funds
    • VOO vs. VTI – Vanguard S&P 500 or Total Stock Market ETF?
    • The 7 Best International ETFs
    • The 8 Best Small Cap ETFs (4 From Vanguard)
    • The 5 Best REIT ETFs
    • The 5 Best EV ETFs – Electric Vehicles ETFs
    • VIG vs. VYM – Comparing Vanguard’s 2 Popular Dividend ETF’s
    • The Best Vanguard Dividend Funds – 4 Popular ETFs
    • The 5 Best Tech ETFs
    • The 7 Best Small Cap Value ETFs
    • The 6 Best ETFs for Taxable Accounts
    • The 5 Best Emerging Markets ETFs (1 From Vanguard) for 2023
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  • Leverage
    • What Is a Leveraged ETF and How Do They Work?
    • How To Beat the Market Using Leverage and Index Investing
    • The 9 Best Leveraged ETFs
    • Hedgefundie’s Excellent Adventure
    • Leveraged All Weather Portfolio
    • Leveraged Permanent Portfolio
    • Leveraged Golden Butterfly Portfolio
    • NTSX – Review and Summary
    • TQQQ – Is It A Good Investment?
    • PSLDX – A Review
    • SWAN – A Review
    • RPAR Risk Parity ETF Review
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  • Dividends
    • The Best M1 Finance Dividend Pie
    • The 11 Best Dividend ETFs
    • The Best Vanguard Dividend Funds – 4 Popular ETFs
    • VIG vs. VYM – Comparing Vanguard’s 2 Popular Dividend ETF’s
    • 8 Reasons Why I’m Not a Dividend Income Investor
    • QYLD – A Harsh Review
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  • Brokers
    • The 5 Best Stock Brokers
    • The 4 Best Investing Apps
    • M1 Finance Review
    • Brokers with the Lowest Margin Rates
    • M1 Finance vs. Fidelity
    • M1 Finance vs. Vanguard
    • Webull vs. Robinhood
    • Stash vs. Robinhood
    • M1 Borrow Review (How M1’s Margin Loan Works)
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  • Retirement
    • The 10 Best ETFs for Retirement Portfolios in 2023
    • The 4% Rule for Retirement Withdrawal Rate – A Revisitation
    • Sequence of Return Risk in Retirement Explained
    • Traditional IRA Explained
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    • 401k vs. Roth IRA
    • Roth IRA vs. Traditional IRA
    • Backdoor Roth IRA Explained
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  • My Toolbox
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Funds

3 Best Uranium ETFs To Invest in Nuclear Energy in 2026

Last Updated: January 24, 2023 No Comments – 5 min. read

nuclear power

Nuclear power plants use uranium to produce electricity. Here we'll check out the 3 best uranium ETFs for to invest in nuclear energy. Introduction - Why Uranium ETFs for Nuclear Energy? Fundamentally speaking, nuclear power plants produce electricity by using low-enriched uranium fuel through a process called nuclear fission, which is the splitting of uranium … [Read more...] about 3 Best Uranium ETFs To Invest in Nuclear Energy in 2026

The 3 Best Natural Gas ETFs To Buy in 2026

Last Updated: January 24, 2023 No Comments – 2 min. read

natural gas

Natural gas is a relatively clean and efficient source of energy. Here we'll check out the 3 best natural gas ETFs for . Introduction - Why Natural Gas ETFs? Natural gas is a relatively clean and efficient source of energy. As countries aim to reduce carbon emissions, natural gas may become a much more attractive option compared to coal or oil. Natural gas … [Read more...] about The 3 Best Natural Gas ETFs To Buy in 2026

The 4 Best Cobalt ETFs To Buy in 2026

Last Updated: March 14, 2026 No Comments – 3 min. read

battery

Cobalt has a variety of applications and is poised to be used much more in the coming years. Here we'll check out the 4 best cobalt ETFs for . Introduction - Why Cobalt ETFs? Cobalt is used in a wide range of industrial, technological, and medical applications. Examples include jet engines, magnets, and rechargeable batteries. Cobalt is typically combined with … [Read more...] about The 4 Best Cobalt ETFs To Buy in 2026

7 Best Covered Call ETFs for Income Investors in 2026

Last Updated: July 19, 2024 1 Comment – 12 min. read

covered call etfs

Covered calls are options sold on owned investments to generate current income. Here we'll review the best covered call ETFs for . Video - The Best Covered Call ETFs Prefer video? Watch it here: Introduction - What Are Covered Call ETFs and How Do They Work? Covered call ETFs own stocks, typically from some underlying index, and sell call options on … [Read more...] about 7 Best Covered Call ETFs for Income Investors in 2026

VTI vs. VTSAX – Vanguard US Stock Market ETF or Mutual Fund?

Last Updated: January 14, 2024 No Comments – 3 min. read

VTI is the ETF from Vanguard for the total U.S. stock market. VTSAX is its mutual fund equivalent. Which one should you choose? I compare them here. Video Prefer video? Watch it here: VTI vs. VTSAX - Structure, Methodology, Fees, and Tax Cost VTI is the Vanguard Total Stock Market ETF that launched in 2001. As you might guess, this ETF captures the … [Read more...] about VTI vs. VTSAX – Vanguard US Stock Market ETF or Mutual Fund?

The 7 Best Vanguard ETFs To Buy for 2026 for Low-Fee Indexing

Last Updated: February 10, 2024 No Comments – 3 min. read

vanguard etfs

Vanguard provides some of the most popular, lowest cost ETFs out there. Here we'll look at the best Vanguard ETFs for . In a hurry? Here’s the list: Video Prefer video? Watch it below. If not, keep scrolling to keep reading. Introduction - Vanguard ETFs Vanguard is a shareholder-owned asset management firm that was founded in 1975 by Jack Bogle. … [Read more...] about The 7 Best Vanguard ETFs To Buy for 2026 for Low-Fee Indexing

JPST vs. NEAR vs. MINT – Which Active Short Maturity Income ETF?

Last Updated: January 14, 2024 No Comments – 2 min. read

jpst vs near vs mint

JPST, NEAR, and MINT are three very popular and similar actively managed short maturity bond ETFs designed for current income. I compare them here. Video Prefer video? Watch it here: JPST vs. NEAR vs. MINT - Methodologies, Yields, and Fees JPST is the JPMorgan Ultra-Short Income ETF. It launched in 2017 and has since become the most popular actively … [Read more...] about JPST vs. NEAR vs. MINT – Which Active Short Maturity Income ETF?

MINT ETF Review – PIMCO Enhanced Short Maturity Active ETF

Last Updated: January 21, 2023 No Comments – 2 min. read

MINT is an actively managed ETF from PIMCO that holds short-term debt obligations to provide current income. But is it a good investment? I review it here. MINT Methodology and Fees MINT from PIMCO aims to generate current income greater than that of a money market fund, preservation of capital, and daily liquidity via ultra-short-term global bonds. We would … [Read more...] about MINT ETF Review – PIMCO Enhanced Short Maturity Active ETF

NEAR ETF Review – BlackRock Short Maturity Bond ETF

Last Updated: January 21, 2023 No Comments – 2 min. read

near etf

NEAR is an actively managed ETF from Blackrock that holds short-term debt instruments in order to generate income. But is it a good investment? I review it here. NEAR Methodology and Fees NEAR from Blackrock aims to limit the volatility of principal while generating income via ultra-short-term global bonds. We'd consider it to be riskier than a savings account … [Read more...] about NEAR ETF Review – BlackRock Short Maturity Bond ETF

SPHD ETF Review – Is SPHD a Good Investment? (Dividend Stocks)

Last Updated: January 21, 2023 No Comments – 3 min. read

SPHD is a popular dividend ETF from Invesco for high-yield U.S. large-cap stocks. But is it a good investment? I review it here. First, note that I don't chase dividends. But I recognize that many investors like to utilize dividend funds to supplement their current income with yield, particularly retirees. Others simply prefer dividend-paying stocks. I even designed a … [Read more...] about SPHD ETF Review – Is SPHD a Good Investment? (Dividend Stocks)

VIG ETF Review – Is VIG a Good Investment? (Dividend Growth Stocks)

Last Updated: January 21, 2023 No Comments – 2 min. read

VIG is a popular dividend ETF from Vanguard to capture U.S. dividend growth stocks. But is it a good investment? I review it here. First, note that I don't chase dividends. But of course many investors prefer to use dividends to supplement their current income, particularly in retirement. Others just prefer dividend-paying stocks because it feels good. I even designed a … [Read more...] about VIG ETF Review – Is VIG a Good Investment? (Dividend Growth Stocks)

JPST ETF Review – JPMorgan Ultra-Short Income ETF

Last Updated: January 26, 2023 No Comments – 2 min. read

jpst

JPST is an actively managed ETF from J.P. Morgan that holds ultra-short-term debt instruments for the purpose of providing income. I review it here. JPST Methodology, Yield, and Fees Think of JPST as being somewhat in between a money market fund, which is a cash equivalent, and a total bond market fund. This ETF from J.P. Morgan provides a higher yield than the … [Read more...] about JPST ETF Review – JPMorgan Ultra-Short Income ETF

DFSV vs. AVUV – DFA vs. Avantis US Small Cap Value ETF

Last Updated: July 2, 2023 6 Comments – 4 min. read

dfsv vs avuv

DFSV and AVUV are two relatively new, ultra-targeted factor ETFs from Dimensional (DFA) and Avantis respectively for U.S. small cap value stocks. I compare them here. Video Prefer video? Watch it here: Brief Recap on Factors Before diving into the details on DFSV and AVUV, let's first briefly review factor investing. If you've landed here, you're … [Read more...] about DFSV vs. AVUV – DFA vs. Avantis US Small Cap Value ETF

DFSV ETF Review – Dimensional US Small Cap Value ETF (DFA)

Last Updated: February 22, 2023 No Comments – 4 min. read

dfsv

DFSV is a new targeted factor ETF from Dimensional (DFA) for U.S. small cap value stocks. I review it here. Introduction - Factors and Dimensional Fund Advisors (DFA) To set the stage for why we might be interested in DFSV in the first place, let's take a sec to briefly review equity risk factors, Dimensional as a provider, and the small cap value universe. If … [Read more...] about DFSV ETF Review – Dimensional US Small Cap Value ETF (DFA)

VIOV ETF Review – Vanguard S&P Small-Cap 600 Value Index Fund

Last Updated: February 21, 2024 No Comments – 3 min. read

viov

VIOV is an index ETF from Vanguard for U.S. small cap value stocks. I review it here. The Case for VIOV and Small Cap Value Stocks Give me a sec to set the stage for VIOV by briefly covering why we like small cap value stocks in general. If you've landed here, you probably already know that small cap value stocks have beaten every other segment of the stock … [Read more...] about VIOV ETF Review – Vanguard S&P Small-Cap 600 Value Index Fund

AVUV ETF Review – Avantis U.S. Small Cap Value ETF

Last Updated: May 25, 2023 No Comments – 5 min. read

avuv

AVUV is a relatively new targeted factor ETF from Avantis for U.S. small cap value stocks. I review it here. Video Prefer video? Watch it here: Introduction - Factors Give me a minute to set the stage for AVUV by briefly covering factors, Avantis as a provider, and the small cap value status quo. If you've landed on this page, I'm going to guess … [Read more...] about AVUV ETF Review – Avantis U.S. Small Cap Value ETF

AVUS ETF Review – Avantis U.S. Equity ETF (Mild Factor ETF)

Last Updated: October 25, 2023 No Comments – 4 min. read

avus

AVUS is a relatively new ETF from Avantis that is a single fund solution for the U.S. stock market index investor who also wants some factor exposure. I review it here. Video Prefer video? Watch it here: Introduction - Factors and Avantis If you've arrived on this page, I'm going to guess a couple things: Assuming that first one is true, hopefully … [Read more...] about AVUS ETF Review – Avantis U.S. Equity ETF (Mild Factor ETF)

The 5 Best Fidelity Index Funds for Low-Cost Index Investing (2026)

Last Updated: April 30, 2023 No Comments – 2 min. read

fidelity index funds

Fidelity seems to be winning the race to zero for fees on index funds. Here we'll check out the 5 best Fidelity index funds for investors in . Video Prefer video? Watch it here: Introduction - Fidelity Index Funds Fidelity is one of the oldest and largest brokerage firms out there, closely rivaling and in some cases even beating Vanguard and Schwab on … [Read more...] about The 5 Best Fidelity Index Funds for Low-Cost Index Investing (2026)

Fidelity ZERO Funds Review – What’s the Catch?

Last Updated: April 9, 2023 No Comments – 4 min. read

fidelity zero funds

Fidelity ZERO funds are index mutual funds from Fidelity with zero fees. But there's a little more to the story. I review them here. Video Prefer video? Watch it here: Introduction - What Are Fidelity ZERO Funds? Fidelity ZERO funds are a specific line of mutual funds from Fidelity that launched in 2018 with, as the name suggests, zero fees. Yes, you … [Read more...] about Fidelity ZERO Funds Review – What’s the Catch?

VT ETF Review – Is VT a Good Investment? (Vanguard Global Stock Market)

Last Updated: May 8, 2026 1 Comment – 10 min. read

vt

VT is a popular ETF from Vanguard to invest in the entire global stock market. Is it a good investment? I review it here. VT ETF Video Prefer video? Watch it here: VT ETF Quick Stats Before we dive into the details on VT, here are the quick stats at a glance: TickerVTFull NameVanguard Total World Stock ETFIssuerVanguardIndexFTSE Global All Cap … [Read more...] about VT ETF Review – Is VT a Good Investment? (Vanguard Global Stock Market)

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John Williamson, APMA®

Analytical data nerd, investing enthusiast, fintech consultant, Boglehead, and Oxford comma advocate. I'm not a big fan of social media, but you can find me on Reddit. Read More…

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