Austin Smith

DRAM ETF roughly doubled in under five months, but Samsung, SK Hynix, and Micron alone command 73% of the fund.

FTXL beat SOXX over one year (134% vs 115%), but SOXX's 10-year return of 1,497% still tops FTXL's 1,099%, suggesting factor screens outperform only in AI cycles.

Quick Read A 3.80% savings APY shrinks to a -0.72% real after-tax return once a 32% tax rate and 3.3% core PCE inflation are applied.

SPAXX tracks T-bill yields near 4% but its 0.42% expense ratio ranks among the highest in its money market peer group.

FXAIX holds $832 billion in assets and charges just 0.015% annually, which works out to $15 on a $100,000 balance, with no minimums or load fees at Fidelity.

VFIAX charges 0.04% annually and has returned 313% over ten years, but a 33% tech weighting hides meaningful concentration risk.

SPAXX tracks T-bill yields near 4% but its 0.42% expense ratio ranks among the highest in its money market peer group.

VTSAX charges 0.04% annually, which works out to just $40 on $100,000, and returned 295% over the decade ended August 2026.

VIGAX markets itself as a growth index fund, but just four stocks (NVIDIA, Apple, Alphabet, and Microsoft) consume 45% of assets.

Quick Read SoFi's app headline shows 3.80% APY, but a buried 0.70% boost expires after six months, reverting the rate to 3.10%.