The Simulator

Making a decision about moving your investments can be tough. One Day In July created The Simulator to help show prospective clients how their money could have been performing had they been invested in a diversified portfolio of low-cost index funds over a set period of time.

Transparency is a key pillar of One Day In July. The Simulator helps financial advisors educate prospective investors about the long-term impacts of their investing decisions. The Simulator helps advisors use data to provide objective information to prospective clients. It can be hard to decipher who is providing the best information when looking for a new financial advisor.

All One Day In July financial advisors act as fiduciaries on all accounts, for all clients. This means that the client's interest always comes before that of the advisor or the firm. Learn more about what it means to work with a fiduciary financial advisor here.

We want you to have a clear understanding of where your finances currently stand and what we might be able to do to help you build a better financial future.

Contact a One Day In July Financial Advisor by filling out the form below or calling (802) 503-8280. We offer free consultations in person, on the phone and on Zoom.

Simulator performance information is intended for experienced investors only or those maintaining at least a basic knowledge and understanding of investments and financial markets.

Set up a free consultation today.

The backtested performance data (investment returns) generated by the One Day In July LLC (“ODIJ”) Simulator tool are hypothetical in nature and do not represent the investment performance of any actual accounts, investors, or model. The hypothetical returns presented pre-date the inception of the ODIJ firm and are not a guarantee of future results. Simulator shows the historical investment performance results of the group of securities currently held in the ODIJ standard strategy portfolio. ODIJ’s standard strategy portfolio is comprised of low-fee index fund ETFs representing a diversified group of assets classes, including U.S. Treasury bonds intended for downside protection. Simulator is intended to provide an understanding of how ODIJ’s current standard strategy portfolio might have performed over time. Data is based on the securities’ daily closing prices, adjusted for dividends and splits, as provided by Yahoo Finance. The results shown are net of the ODIJ annual management fee of 0.50% and do not reflect any other transaction costs or taxes. Results do not represent returns actually achieved by ODIJ or its clients over the time period, as the firm did not exist prior to 2016, and the results do not reflect any changes to the composition of the ODIJ standard strategy over time. Investors can have different allocations (in accordance with their risk tolerances), rebalance dates, contribution/withdrawal rates, fees, and tax implications, resulting in performance returns that differ materially from what is presented here. Differences in account size, timing of transactions and market conditions prevailing at the time of investment may lead to different results. The graphs and other results depicted are not a formula or system to determine whether to buy or sell any security. Past performance is not indicative of future results. All investing involves risk, including possible loss of principal.

Refer to the full Simulator Disclosures here, including details on the Methodology, Assumptions, Limitations, and Material Risks.

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.
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.
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
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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(802) 767-7665

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