INSIGHTS

Principles and Insights

This resource brings together evidence-based strategies for effective, long-term investing. Each page distills key concepts that can help investors make disciplined, informed decisions.
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Sameer Kalwani
Sameer Kalwani
Advisor best practices
Investment Strategy
Tax Optimization

Beyond 60/40: Taking on advanced investment strategies as a DIY investor

A complete guide to factor tilting, risk parity, managed futures, cat bonds, and rebalancing alpha for DIY asset allocators
Sameer Kalwani
Sameer Kalwani
Advisor best practices
Investment Strategy
Tax Optimization

Is your asset allocation any good?

A quant's guide to rating your own portfolio.
Sameer Kalwani
Sameer Kalwani
Advisor best practices
Choosing Tools or Advisors

From spreadsheet to portfolio intelligence: tools for DIY index investors

How to obtain and maintain an alpha-enhanced passive portfolio
Sameer Kalwani
Sameer Kalwani
Advisor best practices
Investment Strategy
Tax Optimization

A guide on how to get more out of low-cost, passive index investing

How to obtain and maintain an alpha-enhanced passive portfolio
Sameer Kalwani
Sameer Kalwani
Life Changes

What should you do after a financial windfall?

Receiving a significant amount of money can fundamentally change your financial landscape. This guide examines your options through the lens of peer-reviewed research,
Sameer Kalwani
Sameer Kalwani
Choosing Tools or Advisors

Thinking about switching from a robo‑advisor to DIY?

Robo-advisors make starting to build wealth simple, but their ease often limits you as your finances grow more complex. Here’s when to consider moving beyond robo-advisors.
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1 - Investment recommendations and tax-loss harvesting alerts do not eliminate the risk of investment loss, and outcomes may be impacted by market volatility, execution quality at your brokerage, and changes in tax laws or regulations. Recommendations are generated based on the information and preferences you provide and may not be appropriate for every situation or result in improved performance or reduced taxes
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2 - A flat subscription fee for our service does not include costs charged by your brokerage firm (such as trading commissions, fund expenses, or account fees), nor does it consider any tax impact from trading activity in your accounts. You should also consider that subscriptions renew unless canceled, and our tools may recommend actions that increase transaction costs or taxes depending on your personal situation
Enrich Finance, LLC is an SEC-registered investment adviser (CRD #337784). Registration with the SEC does not imply any level of skill or training.
Investment advisory services are provided only to users who become clients pursuant to a written agreement. See our Form ADV Part 2A Brochure and Privacy Policy for more information. View our disclosures, terms, and forms here. This website is intended for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or investment advisory services in any jurisdiction where such offer or solicitation would be unlawful. Services are intended for U.S. residents only.
1 - Past performance is not a guarantee, or reliable indicator, of future results; future returns and risk may differ materially from those shown.
1 - Tax optimization and rebalancing features do not guarantee improved performance or reduced taxes and may result in higher transaction costs, different tax outcomes, or realized losses depending on your specific situation. Recommendations and trade instructions are based on current laws and data you provide and may be affected by market volatility, changes in tax rules, or how and when you choose to implement them.

2 - This statement reflects our general philosophy and is not a guarantee that our services are safer or superior to other options, nor that they are suitable for every investor or situation. Investors should carefully consider their own goals, risk tolerance, and circumstances, and understand that all investing involves the risk of loss, including loss of principal
1 - Tax optimization and rebalancing features do not guarantee improved performance or reduced taxes and may result in higher transaction costs, different tax outcomes, or realized losses depending on your specific situation. Recommendations and trade instructions are based on current laws and data you provide and may be affected by market volatility, changes in tax rules, or how and when you choose to implement them.

2 - This statement reflects our general philosophy and is not a guarantee that our services are safer or superior to other options, nor that they are suitable for every investor or situation. Investors should carefully consider their own goals, risk tolerance, and circumstances, and understand that all investing involves the risk of loss, including loss of principal

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