Josh Kruk

(802) 338-6326josh@onedayinjuly.com

The worst investing decisions are usually driven by fear or greed. You can't control the market but the market can control you if you let it.

Market & Strategy Overview | 2022 Quarter 32022 Quarter 3 Environmental

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145 Pine Haven Shores Rd, Suite #2212
Shelburne, VT 05482



Watch: 2022 Year In Review
Career Highlights & Areas of Focus

I have worked in the asset management industry for more than 25 years. Along the way, I have been responsible for well over $50 billion in client assets across roles that included portfolio management, risk management, trading and client service.

Among the benefits of that experience has been the opportunity to observe firsthand what actually produces results on a reliable basis and what doesn’t. Too often, I have watched the industry incorrectly equate complexity and high fees with quality. The end result is over-engineered investment products that end up benefiting the financial services firm more than the customer. The reason I joined One Day In July is because I believe our approach does the exact opposite, and it is the approach I’ve seen consistently work across more than a quarter century.

One of my areas of focus has been helping to build climate-aware portfolios for our clients. To support that effort, in 2020 I earned a certification in Sustainability and Climate Risk from the Global Association of Risk Professionals. I also hold a CFA charter and a CPA license.

Investment Philosophy

Legendary coach John Wooden once said, “Don’t mistake activity for achievement.” That advice applies as much to investing as to basketball. Frequent trading and market timing magnify the worst behavioral drivers we have: fear and greed. When we allow those biases to seep into our decision-making, we become more like gamblers than investors.

I also think that the Pareto principle, commonly known as the “80/20 Rule”, applies well to investing. 80% of the results are driven by getting the most important 20% of the process consistently right. That means having a clear plan, keeping costs as low as possible, reducing complexity, and maintaining discipline across market cycles.

More About Me

After growing up in New Jersey and spending time in Boston, I have now lived in Vermont for more than 20 years. I am a proud graduate of the University of Vermont and still spend many hours each winter in the bleachers at Patrick Gym and Gutterson Fieldhouse.

I currently live in Shelburne with my wife and two fantastic daughters. I serve on the boards of the Humane Society of Chittenden County and Kayla’s Directory, Inc., a non-profit dedicated to enriching the lives of special needs children in Vermont. When not at work, my hobbies include running, collecting old sports cards, adopting old dogs, and trying different kinds of beer.




5247 Shelburne, Rd
Shelburne, VT 05482

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