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...
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
Instead of buying an index fund or ETF, direct indexing means you own the actual individual stocks that make up an index — directly in your account. This unlocks three things a fund simply cannot offer:
- Tax flexibility — Harvest losses on individual positions even when the overall index is up.
- Customization — Exclude specific stocks or sectors based on values, concentration risk, or existing holdings.
The MyTimeEquity Difference: Active Management Is Not an Add-On
At MyTimeEquity, we build index-like portfolios engineered to outperform the benchmark — not just track it. Every portfolio runs on the same engine: fundamental research, macro positioning, business cycle awareness, and systematic tax-loss harvesting working together.
Investors can choose their model exposure which fit their overall financial plan. We offer three strategies:
What Makes Us Different
- Household-level tax review before every trade — not after, not quarterly.
- Wash sale protection across all accounts, IRAs included — so losses you harvest are losses you keep.
- Systematic tax-loss harvesting — built into the investment process, not bolted on at year-end.
- Active macro and business cycle positioning — the portfolio responds to where markets are heading, not just where they have been.
- Concentrated position management — for clients with single-stock risk who need a thoughtful, tax-aware path to diversification.
Getting Started
For accounts under $250,000, we use the S&P 500 as the preferred index for tax-loss harvesting. Tracking error will be higher in Core+ and Core+ Thematic strategies — a natural result of active positioning, and the same positioning that creates outperformance potential.
If you would like to understand what this could look like for your portfolio, email us at wealth@mytimeequity.com and we will set up a time to walk you through it.
Here's a short video of our Managing Principal, Sudhir Pai speaking about the launch*:
*Disclaimer: This video includes AI-generated voice and visual enhancements created for informational and educational purposes only.
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