Direct indexing, personalized to your portfolio
Move beyond one-size-fits-all index funds. Direct indexing can give you direct ownership, tax-loss harvesting opportunities, and customization shaped around your goals and values.
Index investing with more control
Savvy Direct Indexing is designed for investors who want broad market exposure with more flexibility than a traditional fund may provide.
Tax-loss harvesting potential
Owning individual securities can create opportunities to harvest losses that may offset capital gains, while maintaining market exposure where appropriate.
Direct ownership and transparency
See the underlying stocks in the strategy rather than only owning a pooled fund.
Custom exclusions and preferences
Your advisor can help evaluate exclusions for specific companies, sectors, regions, or values-based preferences.
How direct indexing works
Direct indexing seeks to replicate the characteristics of an index by owning a representative group of individual securities in a separately managed account.
Choose the target exposure
Your advisor helps identify the index-like exposure, preferences, and constraints that fit the plan.
Customize the holdings
The portfolio can reflect exclusions, tax considerations, legacy positions, and risk preferences.
Harvest, rebalance, and report
The strategy can monitor for tax-loss harvesting and rebalancing opportunities while tracking performance against the intended benchmark.
What you get with a Savvy advisor
Personal guidance with more attention
Savvy handles the operational lift behind the scenes so your advisor can stay focused on your goals, your questions, and the decisions that matter.
70%
More time focused on you
Most financial advisors aren’t legally required to act in your best interest. Savvy Advisors are.
Your advisor is a fiduciary
Many advisors are tied to product incentives, sales targets, or firm priorities. Your advisor is different. As an independent fiduciary, they are required to put your best interest first and give advice shaped around what is genuinely right for you.
Backed by institutional-grade intelligence
Behind your advisor sits an in-house investment team, a direct line to Savvy's Chief Investment Officer, and the best-in-class technology that makes it all run.
18% higher relative return compared to the S&P 500 in 2025*
*Savvy Total Portfolios All Equity vs S&P 500. Relative return refers to the percentage increase between percentages
See if direct indexing fits your portfolio
A Savvy advisor can help evaluate the tax, risk, and customization tradeoffs for your situation.
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FAQ
Because you own individual securities, losses in specific positions may be harvested to offset capital gains when appropriate. Tax benefits are not guaranteed and depend on market conditions and your situation.
Because you own individual securities, losses in specific positions may be harvested to offset capital gains when appropriate. Tax benefits are not guaranteed and depend on market conditions and your situation.
An ETF gives you shares of a pooled fund. Direct indexing can provide direct ownership of individual securities, more customization, and potential tax-loss harvesting flexibility.
Yes, direct indexing can allow custom exclusions, subject to portfolio construction, tracking error, and investment constraints.
Direct indexing is generally most useful in taxable accounts because tax-loss harvesting is not relevant inside most tax-advantaged retirement accounts.
Risks can include market loss, tracking error, trading costs, tax complexity, and the possibility that harvesting opportunities are limited. Your advisor can help evaluate suitability.