• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer

Optimized Portfolio

Investing and Personal Finance

  • Start Here
  • 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
    • more…
  • Lazy Portfolios
    • All Weather Portfolio
    • Bogleheads 3 Fund Portfolio
    • HEDGEFUNDIE’s Excellent Adventure
    • Warren Buffett Portfolio
    • Golden Butterfly Portfolio
    • Paul Merriman Ultimate Buy and Hold Portfolio
    • Ben Felix Model Portfolio
    • Permanent Portfolio
    • David Swensen Portfolio
    • 60/40 Portfolio
    • more…
  • 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
    • more…
  • 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
    • more…
  • 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
    • more…
  • 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)
    • more…
  • 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
    • Roth IRA Explained
    • 401k vs. Roth IRA
    • Roth IRA vs. Traditional IRA
    • Backdoor Roth IRA Explained
    • more…
  • My Toolbox
    • Calculators

Investing 101

The 6 Best Index Funds for Beginners for Long-Term Growth

Last Updated: January 10, 2023 No Comments – 4 min. read

Investing in the stock market can appear daunting, but it doesn't have to be. Technology and modern online brokers have made it easier, cheaper, and faster now more than ever for DIY investors to create a simple and effective portfolio. Index funds allow you to make an initial investment and then sit back, relax, and watch your portfolio grow. Here we'll look at the best index … [Read more...] about The 6 Best Index Funds for Beginners for Long-Term Growth

Corporate Bonds vs. Government Bonds (Treasuries) – The Showdown

Last Updated: April 4, 2023 25 Comments – 7 min. read

treasury bonds vs corporate bonds

Bonds are usually held in a portfolio with equities to reduce volatility and to offer downside protection against black swan events. Let's dive right into comparing corporate bonds and government bonds. In a hurry? Here are the highlights: Watch the web story here. Video Prefer video? Watch it here: Introduction and Assumptions Let's start with … [Read more...] about Corporate Bonds vs. Government Bonds (Treasuries) – The Showdown

55 Lazy Portfolios and Their ETF Pies for M1 Finance (2026)

Last Updated: September 20, 2024 72 Comments – 4 min. read

lazy portfolios

The term "lazy portfolio" refers to a portfolio designed to perform well in most market conditions, that can be held for an extended period without changing the asset allocation leading up to retirement. Popular examples are the traditional 60/40 Portfolio and the Bogleheads 3 Fund Portfolio. Lazy portfolios are usually simple, diversified collections of low-cost index … [Read more...] about 55 Lazy Portfolios and Their ETF Pies for M1 Finance (2026)

How To Invest Your HSA (Health Savings Account)

Last Updated: January 16, 2023 4 Comments – 7 min. read

coins

A Health Savings Account (HSA) is an extremely powerful vehicle for both investing and paying for medical expenses, but a common question is how exactly to invest inside it. Here we'll explore the the properties, benefits, and investment options of an HSA. In a hurry? Here are the highlights: HSA Provider Suggestion: Lively What Is an HSA? A Health … [Read more...] about How To Invest Your HSA (Health Savings Account)

8 Reasons Why I’m Not a Dividend Income Investor

Last Updated: July 17, 2023 53 Comments – 17 min. read

stock chart

This post largely originated after seeing all the misinformation surrounding dividends floating around Reddit and YouTube recently. Most users on the M1 Finance subreddit, for example, seem to be very pro-dividend, almost unwaveringly so and nearly cult-like, so I’m a little afraid to even open this can of worms for fear of being pitchforked. It’s scary how much cavalierness, … [Read more...] about 8 Reasons Why I’m Not a Dividend Income Investor

« Previous Page

Primary Sidebar

  • Facebook
  • Instagram
  • Reddit
  • Twitter
  • YouTube
  • Patreon

Join 5,372 other investors

Take control of your financial future by subscribing to receive exclusive emails with expert tips, news, and notifications of new posts and important updates.

Don't worry, I hate spam too. No ads.

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…

Most Popular

Ray Dalio All Weather Portfolio Review, ETFs, & Leverage (2026)

HEDGEFUNDIE’s Excellent Adventure (UPRO/TMF) – A Summary

Golden Butterfly Portfolio Review, Performance, & ETFs (2026)

David Swensen Portfolio (Yale Model) Review and ETFs To Use

55 Lazy Portfolios and Their ETF Pies for M1 Finance (2026)

VIG vs. VYM – Vanguard’s 2 Popular Dividend ETFs (Review)

Warren Buffett ETF Portfolio (90/10 Rule) Review & ETFs

Bogleheads 3 Fund Portfolio Review and Vanguard ETFs (2026)

Paul Merriman Ultimate Buy and Hold Portfolio Review & ETFs (2026)

The Best M1 Finance Dividend Pie for FIRE & Income Investors

m1 sidebar

retirable

Portfolio Asset Allocation by Age – Beginners To Retirees

The 7 Best Small Cap ETFs (3 From Vanguard) for 2026

9 Best International ETFs To Buy (6 From Vanguard) in 2026

The 3 Best Inverse ETFs to Short the S&P 500 Index in 2026

Ben Felix Model Portfolio (Rational Reminder, PWL) ETFs & Review

Factor Investing and Factor ETFs – The Ultimate Guide

NTSX ETF Review – WisdomTree U.S. Efficient Core ETF (90/60)

The Ginger Ale Portfolio (My Own Portfolio) and M1 ETF Pie

TQQQ – Is It A Good Investment for a Long Term Hold Strategy?

QYLD Review – Is This ETF a Good Long Term Investment?

The 12 Best T Bill ETFs (Treasury Bills) To Park Cash in 2026

JEPI ETF Review – JPMorgan Equity Premium Income ETF

SPAXX vs. FZFXX, FDIC, FCASH, FDRXX – Fidelity Core Position

Recent Posts

HAPI ETF – Should You Invest in the Best Places to Work?

Yield on Cost – The Useless Metric Dividend Investors Love

NTSD ETF Review – WisdomTree Efficient U.S. Plus International Equity Fund

JEPQ ETF Review – JPMorgan Nasdaq Equity Premium Income ETF

Dimensional Launches DFMC ETF – US Micro Cap Portfolio ETF Class

ALLW ETF Review – SPDR Bridgewater All Weather ETF

VBIL vs. SGOV – Vanguard or iShares ETF for T-Bills?

VBIL and VGUS – Vanguard Launches 2 New ETFs for T-Bills

RSBY ETF Review – Return Stacked® U.S. Bonds & Futures Yield ETF

1 ETF for Life to Get Rich? It’s Not One You’d Guess…

How to Get 35% off a New Tesla Model Y (1.99% APR Financing Promo)

SPYM ETF Review – A Cheaper Way To Buy the S&P 500 Index?

M1 Finance New Dividend Reinvestment Features Are Here! (Sneak Peek)

RSSY ETF Review – Return Stacked® U.S. Stocks & Futures Yield ETF

RSBT ETF Review – Return Stacked® Bonds & Managed Futures ETF

View All...

Footer

  • Facebook
  • Instagram
  • Reddit
  • Twitter
  • YouTube
  • Patreon

Amazon Affiliate Disclosure

OptimizedPortfolio.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Email Newsletter

Sign up to receive email updates when a new post is published.

Don't worry, I hate spam too. No ads.

About - My Toolbox - Privacy - Terms - Contact


Copyright © 2026 OptimizedPortfolio.com