Investing: What to Focus On

Don’t Watch the Market (and 5 Other Investing Tips)

Think Long-Term Investing

Investing is a way to put money into one or more types of investment vehicles and have it work for you while you are doing other things – like living your life. Ideally, that money grows over time, so that when you come back to it, it’s substantially larger than it was when you started investing. The best investment plan is one that minimizes your costs and maximizes your profit.

Mind Your Own Business...

In investing, you need to think of yourself as a business owner. Your investments make up your own business, and that business generates cash flow. In order to grow your business, you will need commitment, patience, and a vision of your goals. A successful business does not take off overnight, but over time it really can perform.

...Not the Market!

The financial markets will, by their very nature, fluctuate up and down. Much like human emotions, markets can be volatile, unstable, and unpredictable. At One Day In July, our financial advisors advocate keeping your eyes away from the markets and back on your life. We educate our clients to look at the big picture of investing, not the rapid day-to-day storms of financial news, stock tickers, or market-gazing.

Focus on What You Can Control

If you can’t control the markets, what can you control?

You can control cost. John Bogle, the founder of Vanguard, famously said, “In investing, you get what you don’t pay for.” He meant simply that investors often pay so much in fees that the cost of their investment over time makes them lose money, rather than earn.

You can help control the level of risk you take on, through asset allocation and diversification of your portfolio. You can control your emotions. Emotions do not do great things for investors, and it helps to have an objective financial advisor who has your best interests in mind.

You can control your savings. How much and how often you save is as important as how much your investments earn.

At One Day In July, we believe that it’s important to focus on the right things – the part of our financial lives that we can control and positively impact – not obsess over the things we can’t.

Fees Matter

Every dollar you don’t pay to an active manager, you keep (and hopefully invest). If you are paying 1% or more of your assets under management to your financial advisor, we believe you are paying too much. It’s that simple.

Set up a free consultation today.

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We tailor to each client. Index funds at the core.
Index Funds
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Dan's Corner
Meaningful musings from our founder.
Your best interests are our priority.
Low Fees
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U.S. Treasury Bonds
Use Treasury Bonds to reduce risk.
Investor Resources
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What is inflation, and what causes inflation.
When Should I Invest?
Life transitions = important financial decisions.
Retirement: 401k and More
Retiring? Plan the future you want.
IRA Rollovers
401k Rollovers. IRA Rollovers
Active vs. Passive Investing
We believe there is a winner in this debate.
The Investment Process
How we work: low-cost index funds, personalized attention.
Should I use a Donor-Advised Fund or a Private Foundation?
Compare the two across a variety of factors.
Investing: What to Focus On
Low-fee index funds. fee-only advisor.
Switching Financial Advisors
Can be uncomfortable, but an important step.
Advisor Recruiting
We attract top-tier talent. Not your usual firm.
Basic Investing
Let's start with Investing 101.
Understanding Your Financial Statement
Let's break it down to basics.
Taxes on Investments
What causes taxes within your investments?
Behavioral Economics
The less emotion, the better.
Timing the Market in 2020
2020 - a case study in the futility of market timing.
How Financial Firms Bill
Fee-based vs. fee-only, and lots more.
Who Supports Indexing?
Bogle, Swensen, Buffett, and others.
One click to see our fees.
Mutual Funds vs ETFs
Clarifying the difference.
Does Stock Picking Work?
The research says no.
Countering Arguments Against Index Funds
What happens in a down market?
Lots of fees, little clarity.
How Do Mutual Funds Work?
Invest in the basket.
How to Relieve Financial Stress
New client? anxiety is normal.
Investing in Gold
Is gold a good investment?
Firm Comparison
One Day In July vs the competition.
Retirement Investing
Retiring? Let us help.
Accounts We Manage
We manage a wide range of investment account types.
Pay Yourself First
Saving and Investing for the future.
Investing an Inheritance
Prioritizing and planning for the future.
Frequently Asked Questions
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Women and Investing
Your voice needs to be heard. We are listening.
Types of Investors
Investing for nurses, teachers, business owners and more.
Environmental Investing
Carbon intensity, fossil fuels.




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In the Media

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk

5247 Shelburne Rd, Suite #101

Shelburne, VT 05482

(802) 777-9768

Stowe, VT Finanical Advisor

Available for meetings in Stowe.

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(802) 999-2321

Burlington, VT Financial Advisor

Hans Smith | Katie Bensel

Nancy Westbrook | Peter Egolf

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(802) 503-8280

Essex, CT Financial Advisor

Keith McCarthy

5 Essex Square, Suite 3A

Essex, CT 06426

(860) 581-7011

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

Carrie McDonnell

(802) 767-7665

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