Asset allocation and tax efficiency make a difference.

Despite the ease of VT, we don’t actually use it for clients or our own investments. Asset allocation, asset location, tax-loss harvesting, and rebalancing can all improve an investment strategy beyond basic buy-and-hold.

Episode References
MMS #152. Set It and Forget It: The Power of Financial Automation
MMS #115. Tax-Loss Harvesting 202: If you're really serious about it, listen here first.
MMS #82. Are you overlooking this stellar asset class?
MMS #79. Tax-Loss Harvesting 101: Sidestep these mistakes with your DIY strategy.
MMS #73. Is direct indexing the future of investing?
2025 US vs International stock returns

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.

Target-Date Funds are the simplest investment strategy.

Asset allocation is the single most important part of an investment strategy. Target-Date Funds are the easiest way to implement the proper asset allocation. If you only saved into Target-Date Funds for your entire career, you will be just fine. The combination of low cost, diversified stocks, and proper bond weighting work for everyone. But if you wanted to try to grow your net worth more, try an all stock index ETF like VT or ACWI.

Episode References

MMS #152. Set It and Forget It: The Power of Financial Automation
MMS #115. Tax-Loss Harvesting 202: If you're really serious about it, listen here first.
MMS #82. Are you overlooking this stellar asset class?
MMS #79. Tax-Loss Harvesting 101: Sidestep these mistakes with your DIY strategy.
MMS #73. Is direct indexing the future of investing?
Three-fund portfolio
Vanguard Total World Stock ETF (VT)
iShares ACWI ETF
iShares 60/40 allocation ETF

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.

Does Trishul ever feels the highs Aaron experiences while coaching sports?

Aaron loves sports: playing, watching, coaching, all of it. For him, few moments compare to seeing a young player finally succeed after weeks of practice, frustration, and failure. Trishul, on the other hand, does not seem to experience those same emotional highs or the lows that come with them. So which experience is more common? How much do these emotional peaks and valleys shape our happiness and well-being? And should we seek them out, or simply accept that people find meaning and fulfillment in very different ways?

Episode References

MMS #153. Life Planning Lessons from a Vacation That Went Too Long
MMS #135. Aaron and Trishul discover the meaning of life.
MMS #120. Planning for downtime during the holiday season
MMS #117. Aaron teaches Trishul how to play fantasy football.
MMS #111. The math behind March Madness and Buffett's Billions.
MMS #105. Which life lessons matter the most to your long-term success?
MMS #91. Why did Trishul and Aaron choose lifestyle practices?
City of Arts and Sciences - Valencia

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.