Add more value for your clients
Effortless tax optimization
Using the most advanced tax-loss harvesting technology, we can help you save time and capture potentially up to 1%-2% or more annually in after-tax alpha for your high-net-worth clients.³ You’ll get:
- Daily automated scanning for tax-loss harvesting opportunities.
- Automated rebalancing.
- Real-time tax transition analyses.
Fast, easy customization
Build separately managed accounts in minutes that reflect each client's tax-situation, preferences, and existing positions. Gain the flexibility to:
- Diversify concentrated portfolios.
- Apply ESG screens and tilts and factor tilts.
- Exclude or include specific industries, sectors, or individual securities.
On-demand reporting
Analyze accounts in an instant. Monitor key metrics and generate easy-to-understand reports that show clients the impact you’re making, including:
- Pre- and post-tax performance reports.
- ESG impact reports.
- Transition analysis scenarios.
Want a first-hand look at how Vanguard Personalized Indexing can help your clients and grow your business?
Diversify and grow your business
Vanguard Personalized Indexing offers you a scalable investment management process. Our technology manages thousands of investor accounts while automatically scanning portfolios every day for tax-loss harvesting opportunities—optimizing tax alpha generation for your clients.
You’ll gain added flexibility to address your clients’ unique tax needs, investment preferences and existing positions, helping you deepen relationships with existing high-net-worth clients and attract new ones.
Direct indexing managed accounts are expected to grow 12.3% annually and reach $825B in assets by 2026.⁴
Let us show you how our personalized direct indexing technology could help deliver additional value to you and your clients.
Tap into real-time technology
Enjoy a user-friendly advisor portal backed by powerful data management. Easily access analysis and reporting that can help make your decisions easier. At the touch of a button, you’ll get:
- Real-time portfolio analysis.
- Data updated daily by direct API feeds.
Quickly unlock a broad array of customization options to tailor direct indexing portfolios to your clients’ preferences—and get instant analysis of the potential impact of those customizations on tracking error. Your clients will have access to:
- A wide selection of U.S. and international benchmarks.
- 12,000+ ESG data factors.
- 15 smart-beta factor definitions.
- 47 country markets, 12 sectors, 69 industries.
Disclosures and footnotes
1 Though some clients will benefit from personalized equity portfolios, many find that pooled products such as mutual funds and ETFs meet their needs.
2 Investor’s Business Daily, 2022. IBD’s 25 Most Trusted Financial Companies.
3 Kevin Khang, Alan Cummings, Thomas Paradise, and Brennan O'Connor, 2022. Personalized indexing: A portfolio construction plan. Valley Forge, Pa.: The Vanguard Group. Simulation as of September 2021.
4 Cerulli Associates, 2022. The Case for Direct Indexing: Differentiation in a Competitive Marketplace.
Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personalized Indexing Management, LLC ("Vanguard Personalized Indexing Management"), formerly Just Invest, LLC, an SEC registered investment adviser, is an independently operated wholly-owned subsidiary of The Vanguard Group, Inc. ("Vanguard"). Vanguard Personalized Indexing is an asset management technology that has been developed and is offered solely by Vanguard Personalized Indexing Management.
For more information on Vanguard Personalized Indexing Management and Vanguard Personalized Indexing, and to access Vanguard Personalized Indexing Management's Form CRS, Form ADV Part 2A, and Form ADV Part 2B disclosure brochures, please visit Vanguard Personalized Indexing page.
All investing is subject to risk, including possible loss of principal. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss.
The information contained herein does not constitute tax advice and cannot be used by any person to avoid tax penalties that may be imposed under the Internal Revenue Code. Each person should consult an independent tax advisor about their individual situation before investing in any security.
Tax-loss harvesting involves certain risks, including, among others, the risk that the new investment could have higher costs than the original investment and could introduce portfolio tracking error into your accounts. There may also be unintended tax implications. Prospective investors should consult with their tax or legal advisor prior to engaging in any tax-loss harvesting strategy. Neither Vanguard Personalized Indexing Management nor Vanguard provide tax or legal advice.
ESG portfolios are subject to ESG investment risk, which is the chance that the stocks or bonds screened by the data provider for ESG criteria generally will underperform the market as a whole or, in the aggregate, will trail returns of other portfolios screened for ESG criteria. The data provider's assessment of a company, based on the company's level of involvement in a particular industry or the data provider's own ESG criteria, may differ from that of other portfolios or of the advisor's or an investor's assessment of such company. As a result, the companies deemed eligible by the data provider may not reflect the beliefs and values of any particular investor and certain screens may not exhibit positive or favorable ESG characteristics. The evaluation of companies for ESG screening or integration is dependent on the timely and accurate reporting of ESG data by the companies. Successful application of the customized investment strategy will depend on the data provider's proper identification and analysis of ESG data.
Factor investing is subject to investment style risk, which is the chance that returns from the types of stocks selected will trail returns from U.S. stock markets. Factor investing is subject to the risk that poor security selection will cause underperformance relative to benchmarks or funds with a similar investment objective.