• Skip to main content
  • Skip to secondary menu
  • 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

Privacy

Please review my Privacy Policy for this website (OptimizedPortfolio.com).

Particular areas of the world now require different privacy disclosures, so please read the entire policy to make sure you understand this website’s practices fully.

I. If You Are Located in the EU

A. What Personal Data Does This Website Collect From You?

Personal data is information that can be used to identify you such as your name, IP address, and email address. This website collects personal data from you in one way:

1. Opt-in email newsletter subscription form: your email address.

I collect the information above for the following purposes.

1. Opt-in email newsletter subscription form: To provide you with occasional alerts for when a new blog post is posted on the website, or to share information we feel would be useful to you.

What Legal Basis Do We Have For Collecting and Processing Your Information?

Websites must have a legal basis for collecting information from individuals located in the European Union. Our legal basis for each of the ways we collect information from you is as follows. Please note where consent forms the basis, you can withdraw consent at any time by contacting us or by opting out of any email message using the “unsubscribe” link.

1. Opt-in email newsletter subscription form: You consent to the subscription. We have an allowed legitimate interest in updating you when a new blog post goes live on this website so that you can read it.

“Legitimate interests” for processing your personal information exist where you submit the information with an expectation that it will be processed and there is no undue impact on you. If you disagree or have questions, please contact me and I will cease the processing of your data under this legal basis.

D. Who Has Access To The Data We Collect?

We process and access to the data we collect from you. However, we use third parties to assist us with processing your personal data including the following categories of recipients:

  • Customer service communication platform
  • Email communication manager
  • Website management services
  • Website design and programming services

These third parties have signed contracts with us in which they are prohibited from utilizing, sharing or retaining your personal data for any purpose other than we dictate.

E. Cookies and Similar Technologies

This site uses cookies and similar technologies to track particular aspects of you and other people who visit us. This tracking is done to provide us with information on how people move about the site, what is of interest to them and what is not, how our marketing is performing, and incidental items such as what percentage of users access the site from a personal computer versus a mobile phone. You may block most cookies by adjusting your browser settings as well as responding to the cookie consent notice that appears when you visit this site.

What Are Cookies?

Cookies are tiny files that are downloaded to your computer to track particular aspects of your activity online to help us learn certain things about our website. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ particular elements of the site’s functionality.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this) or by manually selecting which cookies you prefer on the pop-up that appears when you first visit the site. You can also opt out of tracking by many companies using cookies via the Network Advertising Initiative Consumer Opt-Out.

Our Cookies

Email Education-Related cookies

This site offers email subscription services providing you information.

Forms-Related Cookies

When you submit data to through a form such as comment forms, cookies may be set to remember your user details for future correspondence.

Third Party Cookies

In some special cases, we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

Statistics

This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. We also use third party analytics to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit which helps us to understand how we can improve the site for you.

As we publish content and employ affiliate links, it’s important for us to understand statistics about how many of the visitors to our site read a certain article or make a purchase through a certain link, and this is the kind of data that these cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to create useful content in the future.

We also use social media buttons and plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including, Facebook Instagram, Twitter, and YouTube, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

F. How Long Do We Keep Your Data?

We keep your personal data for different periods of time depending on the reason it was gathered in the first place.

Opt-in email newsletter subscription form: 36 months

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

If a legal claim arises involving your data, we will store and disclose that data until the matter has resolved.

Your Right To Ask For Corrections, Erasure, And Export Of Your Data

You have the right to control your personal data. Specifically, you have the following rights:

  • The right to be informed: We are informing you now with this policy.
  • The right of access: We’ll provide you with the data we have about you.
  • The right to rectification: Request we fix incorrect data about you.
  • The right to erasure: Request we erase certain data about you.
  • The right to restrict processing: Ask us to restrict certain type of processing of your personal information.
  • The right to data portability: Ask us to provide your personal data we have for export.
  • The right to object: Object to how we use your data.
  • Rights in relation to automated decision making and profiling: We don’t profile you, but keep in mind you have this right with other sites.

To exercise any of these rights, please contact me with your request at optimizedportfolio1[at]gmail[dot]com. John Tyler Williamson will be viewed as the controller and processor of data collected.

Security

Web traffic to this website is encrypted, and data we collect is encrypted at rest.

Your Right To Withdraw Consent

Although this is mentioned above, we want to emphasize that wherever we’ve asked for your consent to collect or process your personal data, you have the right to withdraw that consent. If you receive email messages from us, you can use the “unsubscribe” link in each message to withdraw consent and stop the mailings. Alternatively, you can contact me with your request at optimizedportfolio1[at]gmail[dot]com.

Do We Transfer Your Data To Third Countries?

No. We are located in the United States. Your data is collected and held here.

Privacy Concerns, Contacting Us, Complaints.

You can contact John Tyler Williamson at optimizedportfolio1[at]gmail[dot]com with any questions or requests you have about these policies or your personal data. If, after contacting us, you feel a privacy issue has not be resolved, you have the right to file a complaint with a Supervisory Authority such as the Data Protection Commissioner of Ireland.

II. For Our Friends Located In California

A. Do Not Track Signals.

Pursuant to the California Online Privacy Protection Act, we hereby disclose that we do not currently honor “do not track” signals issued by browsers or other third party sources.

B. California Eraser Law.

If you are an individual under 18 and have provided personal information or content to us in some manner, you have the right to request the deletion of that information pursuant to the “California Eraser Law.” Contact us to make such a request at optimizedportfolio1[at]gmail[dot]com.

III. For All Our Valued Friends Regardless of Location

A. Privacy Policy Modifications and Updates.

We may update and modify this Privacy Policy at any time. In doing so, we will post a notice on the site 30 days before the change goes into effect and forward an email message to you should we have an email address for you.

B. Legal Disclosures of Personal Information.

We may process, store, and disclose personal information if required to do so by law or in the good-faith belief that such action is necessary to (1) conform to the edicts of the law or comply with legal process served on us, (2) protect and defend our rights or property or (3) act under exigent circumstances to protect the safety of the public or users of the site.

C. DMCA Disclosures

We comply with the Digital Millennium Copyright Act of 1998. As part of the compliance process, we may be required to disclose whatever information we have for you to a copyright holder who has submitted a complaint to us.

D. Public Comments.

You may leave comments on forum posts. Please remember that any information you provide is not private. The information can be viewed by anyone online including family, friends, the media, investigators, and potential employers conducting background checks.

E. Third Party Websites.

We link to other sites, but please keep in mind that we do not control the privacy policies of those sites. Make sure to review the policies of any such sites before providing your personal information.

F. Sale of Business

Should we sell this site or our business, your personal information will be an asset transferred to the new owner.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

If you have any questions about this Privacy Policy, please contact me at optimizedportfolio1[at]gmail[dot]com.

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 © 2023 OptimizedPortfolio.com

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Ok, Got ItReject Read More
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT