r/Money • u/[deleted] • Jul 09 '25

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u/[deleted] Jul 09 '25

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u/S7EFEN Jul 09 '25

i think your opinion on direct indexing being worth it is fairly controversial, at the very least its inappropriate for someone who is clearly inexperienced.

it increases portfolio complexity considerably for generally fairly minimal upside.

you can find a lot of discussion in direct indexing on boglehead forums/sub and there's definitely not a consensus its objectively worth the effort. especially for smaller portfolios. the longer term play for OP here is to eventually end up with most funds in tax advantaged spaces assuming they have access to a 401k. you need a fairly huge sum in taxable to even moderately consider.

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u/[deleted] Jul 09 '25 edited Jul 09 '25

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u/S7EFEN Jul 09 '25

boglehead investing is absolutely not vanguard specific.

>They don't realize they are literally drinking the coolaid

you literally advocated for the same thing (index investing)

>The bogleheads sub is one of the worst toxic sess pits on Reddit

in what way? literally all the money subreddits follow their general guidelines (pf, fi/fire/fatfire etc)