Investment Management

Investment accounts are generally held at Charles Schwab1, and clients are able to view their accounts online through the Charles Schwab portal. We will work with Schwab to ensure your account transfers from other financial firms are as seamless as possible. Assets can often be transferred over into your Schwab account in kind.

Index Funds

A One Day In July financial advisor invests your money in low-cost index funds, provided we do not have other constraints. An index fund is a financial instrument that provides exceptional diversity at low cost. It is traded like a stock, except when you buy a stock you purchase shares in one company. When you buy an index fund, you buy all the companies in the index it tracks, all at once, in one simple transaction.

Low-Fee Financial Advisor

Our fees are low. We offer clients a service at a low cost, and we believe the quality is excellent. As John Bogle once said, “In investing, you get what you don’t pay for.” We are a low-fee financial advisor; we encourage you to compare our financial advisor fees with others. We believe fees should be transparent and simple.

Active Vs. Passive Investing

Unlike most mutual funds, an index fund does not have a fund manager making active decisions about what to buy and sell each day. The job of the people running the index fund is to closely track its underlying "basket" of securities - that is all. For example, all of the large companies in America, or all of the publicly-traded real estate investment trusts. Because of this, it is called a "passive" investment. Most mutual funds are considered "active" investments because fund managers are deciding what securities to buy and sell.

Asset Allocation

Asset allocation is an investment strategy aimed at balancing risk and reward by carefully assessing a client’s goals, risk tolerance, and investment horizon. At One Day In July, decades of work by our Founder have led to investment strategies that are diversified and prepared for different market environments. Each portion of the portfolio serves a specific function for you and your financial advisor will help you understand each one.

Rebalancing: “The Only Free Lunch.”

Your One Day In July financial advisor will rebalance your portfolio on a schedule that makes sense with your asset level and our internal approach. Nobel Prize-winning American economist Harry Markowitz called diversification “The only free lunch in finance.” Worth noting.

Fiduciary Financial Advisors

Our financial advisors are always fiduciaries – on all of our client accounts. We represent only the interests of our clients, and no one pays us other than our clients. We are legally bound to be fiduciary financial advisors. Even if we were not legally bound, we would act in this manner, as we believe this is the ethical thing to do. This is how we would want you to treat us if our positions were reversed.

We are independent financial advisors in our decision making, and we do not cross-sell other financial products.

1We also manage accounts that are not held at Charles Schwab. Refer to our ADV 2A Item 4.B. for information on "Held-Away" Accounts.

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Investing with Low Cost Index Funds
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Why Use a Fiduciary Financial Advisor?
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Investment Tax Strategy: Tax Loss Harvesting
Vermont Investment Management
How to Invest an Inheritance
Investment Tax Strategy: Tax Lot Optimization
Vermont Retirement Planning
How to Make the Best 401k Selections
Investing for Retirement: 401k and More
Vermont Wealth Management
How to Rollover a 401k to an IRA
Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
How to Invest for College Savings
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
The Cycle of Investor Emotion
Countering Arguments Against Index Funds
Annuities - Why We Don't Sell Them
Aim for Average
How Finacial Firms Bill
Low Investment Fees
Understanding Fixed Income: Interest Rate Risk
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
Investment Risk vs. Investment Return
Who Supports Index Funds?
Articles by Dan Cunningham
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The Growth and Importance of Female Investors
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