Josh Kruk

(802) 338-6326josh@onedayinjuly.com

The worst investing decisions are usually driven by fear or greed. You can't control the market but the market can control you if you let it.

Market & Strategy Overview | 2022 Quarter 32022 Quarter 3 Environmental

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5247 Shelburne, Rd
Shelburne, VT 05482



Career Highlights & Areas of Focus

I have worked in the asset management industry for more than 25 years. Along the way, I have been responsible for well over $50 billion in client assets across roles that included portfolio management, risk management, trading and client service.

Among the benefits of that experience has been the opportunity to observe firsthand what actually produces results on a reliable basis and what doesn’t. Too often, I have watched the industry incorrectly equate complexity and high fees with quality. The end result is over-engineered investment products that end up benefiting the financial services firm more than the customer. The reason I joined One Day In July is because I believe our approach does the exact opposite, and it is the approach I’ve seen consistently work across more than a quarter century.

One of my areas of focus has been helping to build climate-aware portfolios for our clients. To support that effort, in 2020 I earned a certification in Sustainability and Climate Risk from the Global Association of Risk Professionals. I also hold a CFA charter and a CPA license.

Investment Philosophy

Legendary coach John Wooden once said, “Don’t mistake activity for achievement.” That advice applies as much to investing as to basketball. Frequent trading and market timing magnify the worst behavioral drivers we have: fear and greed. When we allow those biases to seep into our decision-making, we become more like gamblers than investors.

I also think that the Pareto principle, commonly known as the “80/20 Rule”, applies well to investing. 80% of the results are driven by getting the most important 20% of the process consistently right. That means having a clear plan, keeping costs as low as possible, reducing complexity, and maintaining discipline across market cycles.

More About Me

After growing up in New Jersey and spending time in Boston, I have now lived in Vermont for more than 20 years. I am a proud graduate of the University of Vermont and still spend many hours each winter in the bleachers at Patrick Gym and Gutterson Fieldhouse.

I currently live in Shelburne with my wife and two fantastic daughters. I serve on the boards of the Humane Society of Chittenden County and Kayla’s Directory, Inc., a non-profit dedicated to enriching the lives of special needs children in Vermont. When not at work, my hobbies include running, collecting old sports cards, adopting old dogs, and trying different kinds of beer.




5247 Shelburne, Rd
Shelburne, VT 05482

How We Are Different
Low-fee index funds. Transparent & fiduciary financial advisors.
Local Financial Advisor
We are in your community. We are local.
Investment Management
We tailor to each client. Index funds at the core.
Index Funds
Broad market exposure, low expense.
Dan's Corner
Meaningful musings from our founder.
Fiduciary
Your best interests are our priority.
Low Fees
Our fees are among the lowest in the nation.
Financial Planner
Financial advisor optimizes your financial picture.
U.S. Treasury Bonds
Use Treasury Bonds to reduce risk.
Investor Resources
Helpful tools to get you started.
Inflation
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.
Transparency
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?
Annuities
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
Good questions, real answers.
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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