The Simulator


Making a decision about moving your investments can be tough. One Day In July created The Simulator to help show prospective clients how their money could have been performing had they been invested in a diversified portfolio of low-cost index funds over a set period of time.


Transparency is a key pillar of One Day In July. The Simulator helps financial advisors educate prospective investors about the long-term impacts of their investing decisions. The Simulator helps advisors use data to provide objective information to prospective clients. It can be hard to decipher who is providing the best information when looking for a new financial advisor.

All One Day In July financial advisors act as fiduciaries on all accounts, for all clients. This means that the client's interest always comes before that of the advisor or the firm. Learn more about what it means to work with a fiduciary financial advisor here.

We want you to have a clear understanding of where your finances currently stand and what we might be able to do to help you build a better financial future.

Contact a One Day In July Financial Advisor by filling out the form below or calling (802) 503-8280. We offer free consultations in person, on the phone and on Zoom.

Simulator performance information is intended for experienced investors only or those maintaining at least a basic knowledge and understanding of investments and financial markets.



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The backtested performance data (investment returns) generated by the One Day In July LLC (“ODIJ”) Simulator tool are hypothetical in nature and do not represent the investment performance of any actual accounts, investors, or model. The hypothetical returns presented pre-date the inception of the ODIJ firm and are not a guarantee of future results. Simulator shows the historical investment performance results of the group of securities currently held in the ODIJ standard strategy portfolio. ODIJ’s standard strategy portfolio is comprised of low-fee index fund ETFs representing a diversified group of assets classes, including U.S. Treasury bonds intended for downside protection. Simulator is intended to provide an understanding of how ODIJ’s current standard strategy portfolio might have performed over time. Data is based on the securities’ daily closing prices, adjusted for dividends and splits, as provided by Yahoo Finance. The results shown are net of the ODIJ annual management fee of 0.50% and do not reflect any other transaction costs or taxes. Results do not represent returns actually achieved by ODIJ or its clients over the time period, as the firm did not exist prior to 2016, and the results do not reflect any changes to the composition of the ODIJ standard strategy over time. Investors can have different allocations (in accordance with their risk tolerances), rebalance dates, contribution/withdrawal rates, fees, and tax implications, resulting in performance returns that differ materially from what is presented here. Differences in account size, timing of transactions and market conditions prevailing at the time of investment may lead to different results. The graphs and other results depicted are not a formula or system to determine whether to buy or sell any security. Past performance is not indicative of future results. All investing involves risk, including possible loss of principal.

Refer to the full Simulator Disclosures here, including details on the Methodology, Assumptions, Limitations, and Material Risks.

DIFFERENTIATORS
GETTING STARTED
MATERIALS
How Are We Different
Understanding Your Financial Statement
Articles on Investing
Investing with Low Cost Index Funds
Pay Yourself First
About the SECURE Act
Why Use a Fiduciary Financial Advisor?
Financial Planning
Quarterly Booklets
Simple, Low Investment Fees
Investor Resources
Investment Tools
Financial Firm Comparison
The Investment Process
One Day In July in the Media
Local Financial Advisor
How to Switch Financial Advisors
Frequently Asked Questions
Types of Investors
SERVICES
Types of Accounts We Manage
Options for Self-Employed Retirement Plans
Saving Strategies
What to do When Receiving a Pension
Investment Tax Strategy: Tax Loss Harvesting
Vermont Investment Management
How to Invest an Inheritance
Investment Tax Strategy: Tax Lot Optimization
Vermont Retirement Planning
How to Make the Best 401k Selections
Investing for Retirement: 401k and More
Vermont Wealth Management
How to Rollover a 401k to an IRA
Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
How to Invest for College Savings
INVESTING THOUGHTS
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
Inflation
The Cycle of Investor Emotion
Countering Arguments Against Index Funds
Annuities - Why We Don't Sell Them
Aim for Average
How Finacial Firms Bill
Low Investment Fees
Understanding Fixed Income: Interest Rate Risk
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
Investment Risk vs. Investment Return
Who Supports Index Funds?
Articles by Dan Cunningham
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk

145 Pine Haven Shores Road, Suite 2212

Shelburne, VT 05482

(802) 777-9768

Stowe, VT Finanical Advisor

Available for meetings in Stowe.

Peter Egolf

(802) 999-2321

Burlington, VT Financial Advisor

Hans Smith | Katie Bensel

Nancy Westbrook | Peter Egolf

Adam Roof

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Essex, CT Office

Keith McCarthy

5 Essex Square, Suite 3A

Essex, CT 06426

(860) 581-7011

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

Carrie McDonnell

(802) 767-7665


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