The part nobody covers
Picking good ETFs is the easy part. The account you buy them in is where the money disappears.
Most people pick decent funds, buy them in whatever app they already have, and never find out what that just cost them.
The mistake isn't the funds. It's the account.
Six of the eleven funds I'd buy get taxed every single year in a regular brokerage. $100,000 of one income fund in the wrong account:
And that's the small version of the problem:
One day you'll move a lifetime of growth funds into income funds. Inside a retirement account, that switch costs $0. In a brokerage, on $400,000 of gains, it costs $60,000. Most people find out which one they picked at 60.
You can't just move a fund later. Fixing the wrong account means selling, and selling gets taxed too.
Nothing ever tells you. No app shows the tax you didn't need to pay. You'd have to know to look.
What's inside
Build
- How much of each fund by your age, income, and retirement target — and how to size bets like SMH so one crash can't wreck the portfolio. Four profiles, find yours.
Place
- All eleven funds in their right accounts. Roth vs. Traditional in 30 seconds. The fill order from $0, so no shelter room gets wasted.
My Portfolio
- Every ETF I actually own, which account it sits in, and how I'd rebuild from $0. Updated free whenever it changes.
I'm 26 with a multi‑million dollar ETF portfolio, and this is exactly how I run it. Not advice — me showing you what I do and why. Reads on your phone tonight.
The ETF Playbook
$27
One misplaced fund at $100,000 costs $500 to $1,900 a year in taxes. This costs $27, once.
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30 days. If you don't know exactly where each of your funds belongs after reading it, email me and I'll refund you — and you keep it.
*Hypothetical illustration: 2026 federal rates, current fund yields. Your numbers depend on your income, state, and holdings.