Direct Indexing, Free
The ETF Alternative at 0% Expense Ratio
Skip the fund fees. Direct indexing lets you own the stocks directly instead of paying an ETF expense ratio. Pick any index, replicate it yourself, keep 100% of the returns.
Research finding: 15–20 stocks replicate a sector ETF at R² > 0.95
Studies show the top holdings account for 70–80% of an ETF's weight. Cap-weighting those stocks closely mirrors the full fund — at zero management fees. Read the methodology →
Choose an ETF to replicate
Tracks the S&P 500 — 500 largest US companies by market cap.
Tracks the Nasdaq-100 — 100 largest non-financial Nasdaq-listed companies.
Tracks the entire US stock market — large, mid, and small cap.
Tracks international stocks — developed and emerging markets ex-US.
Tracks high-dividend US stocks screened for quality — yield + sustainability.
Tracks US aerospace and defence companies — contractors, weapons, space.
Tracks S&P 500 healthcare companies — pharma, biotech, medical devices.
Tracks S&P 500 energy companies — oil, gas, pipeline, refining.
Tracks cybersecurity companies — network security, endpoint protection, identity.
How it works
Choose from SPY, QQQ, ITA, XLV, XLE, HACK — or use it as inspiration for your own theme.
Select which stocks to include, adjust weightings, and set your portfolio size.
Get your estimated R² correlation, annual fee savings, 20-year compounded gains, and exact $ amounts to buy each stock.
The compounding cost of expense ratios
$100,000 invested, 7% annual growth
| Expense Ratio | ETF Example | 10 Years | 20 Years | 30 Years | Lost (30yr) |
|---|---|---|---|---|---|
| 0.00% | DIY Basket | $196,715 | $386,968 | $761,226 | — |
| 0.09% | SPY / VOO | $195,067 | $380,510 | $742,249 | -$18,976 |
| 0.4% | ITA (Defence) | $189,484 | $359,041 | $680,325 | -$80,901 |
| 0.6% | HACK (Cyber) | $185,959 | $345,806 | $643,056 | -$118,169 |
| 0.75% | ARKK | $183,354 | $336,185 | $616,408 | -$144,818 |
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