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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

Recent Posts

GPIQ ETF Review – Goldman Sachs Nasdaq-100 Premium Income ETF

Last Updated: August 18, 2026 2 Comments – 28 min. read

gpiq

GPIQ is an income ETF from Goldman Sachs that utilizes dynamic covered call options on the Nasdaq 100 to pay large monthly distributions. I review it here. In a hurry? Here are the highlights: GPIQ ETF Quick Stats Here's GPIQ at a glance before we get into the weeds. NameGoldman Sachs Nasdaq-100 Premium Income ETFTickerGPIQIssuerGoldman Sachs Asset … [Read more...] about GPIQ ETF Review – Goldman Sachs Nasdaq-100 Premium Income ETF

IQQ vs. QNDX vs. QQQM vs. QQQ – New Nasdaq 100 ETFs Compared

Last Updated: September 2, 2026 No Comments – 7 min. read

iqq vs qndx

IQQ and QNDX are two new ETFs for the Nasdaq 100 Index from iShares and State Street respectively. Here I'll review their details, compare them, and see how they stack up against the stalwarts QQQ and QQQM from Invesco. In a hurry? Here are the highlights: IQQ vs. QNDX - Quick Comparison Table Before we get into the details of IQQ vs. QNDX, here's the … [Read more...] about IQQ vs. QNDX vs. QQQM vs. QQQ – New Nasdaq 100 ETFs Compared

QQQI ETF Review – NEOS Nasdaq-100 High Income ETF

Last Updated: August 5, 2026 No Comments – 28 min. read

qqqi

QQQI is an income ETF from NEOS that utilizes covered call options on the Nasdaq 100 to pay large monthly distributions. I review it here. In a hurry? Here are the highlights: QQQI ETF Quick Stats Table Before we dive in, here are the quick stats on QQQI: TickerQQQIFull nameNEOS Nasdaq-100 High Income ETFIssuerNEOS InvestmentsInceptionJanuary 29, … [Read more...] about QQQI ETF Review – NEOS Nasdaq-100 High Income ETF

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

Last Updated: April 6, 2026 No Comments – 10 min. read

hapi

If you've ever wanted to invest in the famous "best places to work" lists, there may now be a product with which to do so - the HAPI ETF. I review it here. HAPI - What, Who, How, and Why What if the secret to beating the market wasn't finding the cheapest stocks or the fastest-growing companies, but simply finding the ones where people actually want to show up … [Read more...] about HAPI ETF – Should You Invest in the Best Places to Work?

Yield on Cost – The Useless Metric Dividend Investors Love

Last Updated: April 6, 2026 No Comments – 9 min. read

yoc vs total return charts

Yield on Cost keeps showing up on my radar. Here I'll explain why this popular metric that dividend investors love is actually pretty meaningless and why it has been called "the most irrelevant metric in investing." What is Yield on Cost? Yield on Cost, or YOC for short, is simply the ratio of an investment's current dividend to the price originally paid for it, … [Read more...] about Yield on Cost – The Useless Metric Dividend Investors Love

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

Last Updated: April 5, 2026 1 Comment – 12 min. read

ntsd

NTSD is a new capital-efficient ETF from WisdomTree designed to provide core exposure to U.S. equities with international equities layered on top. Here's my summary and review. NTSD - The What, Why, and How NTSD is a new ETF from WisdomTree that launched on March 19, 2026, on the NYSE. Its full name is the WisdomTree Efficient U.S. Plus International Equity … [Read more...] about NTSD ETF Review – WisdomTree Efficient U.S. Plus International Equity Fund

JEPQ ETF Review – JPMorgan Nasdaq Equity Premium Income ETF

Last Updated: August 5, 2026 No Comments – 21 min. read

jepq

JEPQ is a popular income ETF from J.P. Morgan that utilizes covered call options to pay monthly distributions. I review it here. In a hurry? Here are the highlights: JEPQ ETF Quick Stats Table Before we dive into the details on JEPQ, here are the quick stats: TickerJEPQFull NameJPMorgan Nasdaq Equity Premium Income ETFIssuerJPMorganInceptionMay 3, … [Read more...] about JEPQ ETF Review – JPMorgan Nasdaq Equity Premium Income ETF

Dimensional Launches DFMC ETF – US Micro Cap Portfolio ETF Class

Last Updated: March 31, 2026 1 Comment – 3 min. read

dfmc etf

DFMC is a new micro cap ETF from Dimensional (DFA) for U.S. micro cap stocks, the industry's first actively managed share class ETF. So DFA has had their famous Micro Cap Portfolio Institutional Class mutual fund DFSCX, their first creation, since 1981. It has famously beaten the market over the long term and set the stage for factor investing. The strategy itself … [Read more...] about Dimensional Launches DFMC ETF – US Micro Cap Portfolio ETF Class

ALLW ETF Review – SPDR Bridgewater All Weather ETF

Last Updated: April 6, 2026 2 Comments – 9 min. read

allw etf

Bridgewater teamed up with State Street to finally launch an All Weather ETF based on their famous strategy. The ticker is ALLW. I review it here. Intro - Bridgewater and the ALLW ETF If you've landed here, Bridgewater and Ray Dalio's famous All Weather Portfolio strategy likely need no introduction. Ray Dalio is regarded as one of the smartest minds in investing … [Read more...] about ALLW ETF Review – SPDR Bridgewater All Weather ETF

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

Last Updated: May 9, 2026 No Comments – 4 min. read

vbil vs sgov

SGOV was long one of the go-to ETFs for T-bills. Now Vanguard launched their own T-bills ETF with VBIL. Which should you choose? I compare them here. VBIL vs. SGOV Comparison Table Before we get into details, here's a quick comparison table of VBIL vs. SGOV: VBILSGOVIssuerVanguardiShares (BlackRock)NameVanguard 0-3 Month Treasury Bill ETFiShares 0-3 Month … [Read more...] about VBIL vs. SGOV – Vanguard or iShares ETF for T-Bills?

VTG ETF – Vanguard Launches Total US Treasury Bond Market ETF

Last Updated: April 24, 2026 2 Comments – 6 min. read

vtg etf

Vanguard launched the VTG ETF for the total U.S. treasury bond market in July 2025. I briefly summarize it here. VTG ETF at a Glance: Full NameVanguard Total Treasury ETFTickerVTGIssuerVanguardInception DateJuly 7, 2025AUM$81M (April 2026)Expense Ratio0.03%Index TrackedBloomberg U.S. Treasury Total Return Unhedged USD IndexEffective Duration5.7 yearsSEC Yield … [Read more...] about VTG ETF – Vanguard Launches Total US Treasury Bond Market ETF

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

Last Updated: April 27, 2026 2 Comments – 4 min. read

vbil vgus

Vanguard launched new ETFs for U.S. T-Bills - VBIL and VGUS - in February 2025. I briefly summarize them here. After weirdly previously having no products for Treasury Bills and hearing investors' demands for short-term liquidity, Vanguard has finally launched 2 new ETFs for them. “VGUS and VBIL can be a solution for those who rely on ultra-short bond funds and … [Read more...] about VBIL and VGUS – Vanguard Launches 2 New ETFs for T-Bills

M1 Earn High Yield Cash Account Review – 4% APY (2026)

Last Updated: March 31, 2026 No Comments – 3 min. read

m1 high yield cash account

Everyone needs a safe place for uninvested cash. Here I’ll provide an overview of a popular high-yield cash account from M1 to earn interest on your extra money in . Whether it’s for an emergency fund or short-term goals, everyone needs a safe place to park unused cash.  Appropriately, we’d usually want to put that cash in what we call “cash-equivalent” … [Read more...] about M1 Earn High Yield Cash Account Review – 4% APY (2026)

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

Last Updated: November 7, 2025 3 Comments – 8 min. read

rsby etf

The RSBY ETF aims to provide a "return stacked" solution for U.S. bonds and futures yield in a single fund. It's called the Return Stacked® U.S. Bonds & Futures Yield ETF. I review it here. If you've landed here, it's highly likely that you're already at least somewhat familiar with "return stacking" and you've probably even already checked out the other funds in this … [Read more...] about 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…

Last Updated: August 14, 2024 9 Comments – 4 min. read

Is there one single ETF you can hold forever to get rich and save for retirement? Yes, and it's probably not one you would guess... Prefer video? Watch it below. If not, keep scrolling to keep reading. So I've referenced the famous Bogleheads 3 Fund Portfolio many times in various blog posts on this site, and for good reason - it's a simple, low-cost, … [Read more...] about 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)

Last Updated: September 23, 2024 No Comments – 3 min. read

tesla model y 1.99 apr financing promo

Here’s how to effectively save 35% on a new Tesla Model Y… Prefer video? Watch it below. If not, keep scrolling to keep reading. So Tesla is currently offering 1.99% APR financing on new Model Y’s through August 31, 2024: That’s almost free money. You can also extend the loan term to 6 years: I was curious to see how the numbers might play out … [Read more...] about 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?

Last Updated: April 12, 2026 1 Comment – 11 min. read

SPYM

The SPYM ETF from SPDR tracks the S&P 500 Index and has lowered its fee to 0.02%, making it cheaper than its competitors VOO, IVV, and SPY. Should you switch? I briefly review it here. Update in November 2025: SPLG is now SPYM. Same fund. Just a name change in the form of a different ticker. SPYM ETF Quick Overview Before we get into specific comparisons, … [Read more...] about SPYM ETF Review – A Cheaper Way To Buy the S&P 500 Index?

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

Last Updated: July 30, 2024 No Comments – 3 min. read

m1 finance new dividend tracker

Dividend investors using M1 Finance will be happy to hear that the platform is introducing some major changes and improvements specific to dividend reinvestment. In this brief post, I’m going to explain and give you a sneak peak of them. Prefer video? Watch it below. If not, keep scrolling to keep reading. One of the biggest requests from users has been the … [Read more...] about M1 Finance New Dividend Reinvestment Features Are Here! (Sneak Peek)

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

Last Updated: November 7, 2025 4 Comments – 8 min. read

rssy

The RSSY ETF aims to provide a "return stacked" solution for U.S. stocks and futures yield in a single fund. It's called the Return Stacked® U.S. Stocks & Futures Yield ETF. I review it here. If you've landed here, it's highly likely that you're already at least somewhat familiar with "return stacking" and you've probably even already checked out the other funds in … [Read more...] about RSSY ETF Review – Return Stacked® U.S. Stocks & Futures Yield ETF

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

Last Updated: November 7, 2025 2 Comments – 10 min. read

rsbt

The RSBT ETF aims to provide a "return stacked" solution for bonds and managed futures in a single fund. It's called the Return Stacked® Bonds & Managed Futures ETF. I review it here. If you've landed here, chances are you're already at least somewhat familiar with "return stacking" and maybe you've even already checked out the other funds in this family like RSSB and … [Read more...] about RSBT ETF Review – Return Stacked® Bonds & Managed Futures ETF

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