Articles

2023 On the Surface, 2018 Underneath

The strongest argument for comparing today's market to 2023 is also its most visible one. Looking beyond the headline index reveals a market shaped by rising rates, weakening participation, and macro forces that resemble a very different chapter of market history.

A New Home Online & a Marketplace Coming Soon

MyTimeEquity® Is Now a Registered Trademark

I Want To Be Doing This 40 Years From Now

Low Volatility, High Curiosity: Making Sense of VIX

The VIX is sitting well below its historical average, suggesting investors expect a relatively calm market ahead. History shows that low volatility has often coincided with positive returns, but it also shows that calm conditions can change quickly.

Inflation Is Coming. What Should You Own?

Beyond the CapEx: What Comes Next for AI

AI infrastructure spending continues to reshape the technology landscape, but investor focus is beginning to shift. As capital deployment reaches unprecedented levels, the key question is no longer how much companies are spending, but how effectively those investments can be monetized.

From Spreads to Fees: Banking's Q2 Turning Point

All seven major U.S. banks beat earnings expectations in Q2, yet the biggest surprise was not the strength of results but their source. Fee-based businesses and capital markets activity have overtaken net interest income as the primary engine of earnings growth.

The Broadening Bull Market

Every market cycle has its leaders. At different points in history, that leadership has come from technology, energy, financials, healthcare, small caps, or value stocks. No single group leads forever. That's actually one of the healthiest things about a durable bull market: Rotation. Today's market is a good example. The Magnificent 7 (Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla) are still some of the strongest businesses on the planet. But they're no longer the strongest...

Not Every Market Signal Comes from the United States

Tuesday (June 23, 2026) morning in Seoul (South Korea), investors watched the KOSPI 200 do something it had never done before. By the closing bell, South Korea's benchmark index, the country's answer to the S&P 500, had shed nearly 10% in a single session. Worst day in its history. Most American investors clocked the headline and kept scrolling. It needs some attention. Here's why: different countries specialize in different industries, and that gives their markets a kind of signal value...

A Smarter Way to Convert Your Traditional IRA to a Roth IRA with Direct Indexing

Traditional Roth Conversions Don't Have to Be All or Nothing A Roth IRA is one of the most powerful wealth-building vehicles available. Qualified withdrawals are tax-free, there are no required minimum distributions during your lifetime, and future appreciation can compound without future income taxes. The challenge, however, is the tax bill. Every dollar converted from a Traditional IRA to a Roth IRA is generally taxable as ordinary income. For many investors, this creates hesitation, even...

The Next Great Frontier

Whenever investors discuss SpaceX, the conversation usually starts in the same place: valuation. Is it worth $2 trillion? $3 trillion? Is it overhyped? Has all the upside already been priced in? Those are reasonable questions. But they may not be the most interesting ones. The more interesting question may be whether we are thinking about SpaceX the right way. Most comparisons focus on other large companies. Some compare it to Nvidia. Others compare it to railroads, telecommunications...

The Real AI Opportunity

How many times have you heard someone ask, "Which AI company will be the winner?" Maybe it's OpenAI. Maybe it's Google. Maybe it's a company that hasn't even been founded yet. Investors naturally gravitate toward these questions because they are easy to understand. We want to identify the next big winner before everyone else does. But history suggests there may be a better question to ask. Think about previous technological revolutions. During the California Gold Rush, fortunes were...

Diversification, Taxes, and the Role of Direct Indexing

Concentration risk rarely begins with a bad decision. It usually begins with a very good one. A stock doubles, then doubles again, and what started as a modest allocation quietly becomes the dominant force in a portfolio. This happens in two common ways. Investors have seen it play out vividly in the AI trade of 2025 and 2026. Memory stocks and AI infrastructure names: Micron, AMD, Samsung Electronics, delivered extraordinary returns for those who positioned early. What felt like a...

Nobody Has It Figured out

Every investor wants certainty. Where markets are headed, what interest rates will do next, whether stocks will continue rallying or move into a correction. Investors spend enormous amounts of time searching for forecasts, signals, and predictions that can provide clarity about what comes next. The reality is simple: Not retail investors. Not advisors. Not institutional money managers. Even the most experienced investors operate with incomplete information and uncertainty. Markets are...

MyTimeEquity Launches Direct Indexing & Tax Loss Harvesting

Most portfolios today are still built on an idea that made sense in a different market era. The 60/40 Problem The 60/40 portfolio — sold for decades as “balanced” — failed investors when both stocks and bonds dropped together. The industry’s fix? Repackage it as direct indexing. Better wrapper, same passive bet. And until recently, even that was only available to ultra-HNI clients and institutions. Investors deserve more. We think investors deserve better than that. Direct Indexing: Explained...

What 1968 Can Teach Investors About Retiring Today

1968 was the worst possible time to retire. Not because stocks crashed overnight. Not because one catastrophic event wiped out a generation of savers. But because inflation showed up — and didn’t leave. That’s the part most people get wrong. They think the big risk is a crash, a sudden drawdown, something obvious. It’s not. The real risk is slow. It grinds. It sits there year after year, quietly destroying your purchasing power while your portfolio looks “fine” on the surface. S&P 500 — Good...

2026 Tax Planning Guide: Key Strategies to Reduce Your Taxes

Several tax changes in 2026 can help reduce what you owe, especially if you own a business, invest in real estate, or have a higher income. Here are the key things to know and how they may apply to you. 1. Write Off Business Purchases Faster If you own a business, 2026 allows you to deduct large purchases (like equipment or vehicles) immediately instead of spreading the deduction over many years. ● You can deduct up to $2.56 million of qualifying purchases ● You may be able to deduct 100% of...

Oil and Gas Tax Strategy: How It Can Reduce Your Taxes in 2026

For high-income earners, oil and gas investments can offer some of the most powerful tax benefits available. In the right situation, these investments can reduce taxes on salary, bonuses, and other income. 1. Why This Strategy Is Different Most investments have limited tax benefits. Oil and gas working interests are different. ● You may be able to deduct most or all of your investment in year one ● These deductions can offset W-2 income and other earnings ● The investment may also generate...

Short-Term Rental Tax Strategy: What You Need to Know for 2026

If you are a high-income earner, short-term rentals (like Airbnb properties) can be a powerful way to reduce taxes. This strategy allows certain real estate losses to offset income like salary or business income. However, there are important limits to understand in 2026. 1. Why This Strategy Works Short-term rentals can be treated differently from traditional rental properties. If structured correctly: ● Losses can offset W-2 income and other income ● You can create large upfront tax...

The Fortress Portfolio: Building Generational Wealth

In investing, the greatest risks rarely come from markets themselves - they come from short-term thinking. Markets naturally move through cycles. Economic conditions shift, geopolitical events create uncertainty, and headlines often amplify fear or optimism. Yet history shows that investors who build enduring wealth remain disciplined, focus on fundamentals, and commit to a long-term strategy. At MyTimeEquity, this philosophy shapes how we construct portfolios. Our goal is not to predict...

The Calendar Resets — The Trends Continue

MyTimeEquity Market Outlook for the Year Ahead A new year brings fresh dashboards, clean performance reports, and renewed resolutions. Yet while the calendar resets, markets do not. Prices do not move because the date changes, but because trends, liquidity, earnings, and capital flows continue to evolve in real time.​ At MyTimeEquity, the guiding philosophy remains clear and disciplined: Follow the evidence Respect the prevailing trend Avoid emotional decision-making As the year begins, the...

Direct Indexing vs ETFs: Does It Make Sense for Your Portfolio Today?

Modern portfolios are no longer built around a single index fund. Today’s investors allocate across U.S. equities, innovation strategies, commodities, digital assets, international markets, and select themes. As portfolios scale, the relevant question is no longer ETFs or direct indexing, but where each belongs within a disciplined allocation. Direct indexing enables investors to own individual securities while tracking a broad market benchmark. Its value lies in precision and tax control....

Tech Leadership Is Broader Than You Think

The prevailing narrative across media continues to suggest that U.S. equities are being held up by a handful of mega-cap technology names. While this may have been true early in the cycle, recent market data paints a very different picture - one of broad-based technology leadership, extending well beyond the giants of Silicon Valley. Over the past quarter, small-cap technology stocks have outperformed their large-cap counterparts by a wide margin . The Small-Cap Tech Index has gained nearly...

MyTimeEquity Opens New Office in Plano, Texas to Strengthen Local Client Connections

MyTimeEquity Opens New Office in Plano, Texas to Strengthen Local Client Connections We’re proud to announce the official opening of our newest office at 4116 Spring Creek Pkwy, Unit 100, Plano, TX 75024—a significant milestone in the continued expansion of MyTimeEquity, and a clear reflection of our mission to blend cutting-edge financial innovation with genuine, personal relationships. This new location marks more than just growth in square footage. It represents a deeper commitment to the...

Still Holding Capital Gains from 2024? Here’s a Smarter Way to Reinvest Tax-Efficiently

If you’ve realized a capital gain in 2024—whether from the sale of real estate, a business exit, or appreciated stock—there’s still time...

Getting Private Markets Right Starts with the Right Questions

In recent years, the private markets have undergone a striking evolution — not just in terms of strategy, but in accessibility. What was...