Liquid, Diversified, Low-Cost ETFs

Product Selection Criteria

Diversification

Exchange Traded Funds are a cost-effective way to achieve diversification across asset classes, industry sectors, and geographies. qplum invests in ETFs of stocks, bonds, and real estate, spread across the United States, Europe, developed, and emerging markets. Our Stock ETFs are composed of a variety of sectors, of small, medium and large cap stocks. Our fixed income ETFs combine government bonds, treasuries, municipal bonds, investment grade corporate bonds of high and low yield, Mortgage Backed Securities, etc. We invest in both US and International Real Estate. Most of our ETFs are from Vanguard.

Low Cost

All our ETFs are of extremely low expense ratio.

VWOB
VWOB
Vanguard Emerging Markets Government Bond Market ETF
Exposure to emerging market bonds by government and government-related issuers. Countries include China, Mexico, Brazil, Indonesia, etc.
Expense Ratio
0.34%
Tax Loss Harvesting Alternative
PCY
BNDX
BNDX
Vanguard Total International Bond Market ETF
Broad exposure to non-US dollar denominated investment-grade bonds. Risks from currency exchange rates are hedged out.
Expense Ratio
0.2%
Tax Loss Harvesting Alternative
-
BIV
BIV
Vanguard Intermediate-Term US Bond Market ETF
Exposure to Intermediate-term bonds of Governments and Corporations. It tracks the Bloomberg Barclays U.S. 5–10 Year Government/Credit Float Adjusted Index, a market-weighted index composed of investment-grade bonds with 5 to 10 years maturity.
Expense Ratio
0.1%
Tax Loss Harvesting Alternative
IEF
BLV
BLV
Vanguard Long-Term US Bond Market ETF
Tracks the Bloomberg Barclays U.S. Long Government/Credit Float Adjusted Index. Diversified exposure to the investment-grade, long-term, bonds. Good for earning high yield with high credit quality.
Expense Ratio
0.1%
Tax Loss Harvesting Alternative
VGLT, TLT
BND
BND
Vanguard Total US Bond Market ETF
Exposure to investment grade bonds in U.S. market. Suitable for medium- or long-term goals while looking for a reliable source of income.
Expense Ratio
0.08%
Tax Loss Harvesting Alternative
AGG
LQD
LQD
iShares Investment Grade Corporate World Bond Market ETF
Composed of a broad range of U.S. investment grade corporate bonds. Access to 1000+ high-quality corporate bonds. Great source for income generation with capital protection
Expense Ratio
0.15%
Tax Loss Harvesting Alternative
-
MUB
MUB
iShares National Municipal US Bond Market ETF
Composed of a broad range U.S. municipal bonds. Exposure to 2000+ municipal bonds. Good to generate tax-exempt income
Expense Ratio
0.25%
Tax Loss Harvesting Alternative
-
SHV
SHV
iShares Short US Treasury Bond Market ETF
Exposure to U.S. Treasury bonds with remaining maturities between one month and one year.
Expense Ratio
0.15%
Tax Loss Harvesting Alternative
-
TIP
TIP
iShares US Treasury Inflation Protected Bond Market ETF
Exposure to U.S. Treasury Inflation Protected Securities, which are government bonds which offer protection against inflation. Almost immune to interest rate risk
Expense Ratio
0.2%
Tax Loss Harvesting Alternative
-
TLT
TLT
iShares 20+ year US Treasury Bond Market ETF
Exposure to U.S. Treasury bonds with remaining maturities greater than twenty years. Good for medium to long term investment
Expense Ratio
0.15%
Tax Loss Harvesting Alternative
VGLT, BLV
VGIT
VGIT
Vanguard Intermediate-Term US Government Bond Market ETF
Exposure to government bonds with average maturity of 5 to 10 years. Ideal for a moderate and steady stream of current income.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
-
VMBS
VMBS
Vanguard US Mortgage-Backed Securities ETF
Exposure to U.S. agency mortgage-backed securities issued by Fannie Mae, Freddie Mac, and Ginnie Mae, with average maturities of 3 to 10 years. Ideal for a moderate and stable stream of current income.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
-
VTIP
VTIP
Vanguard Short term US Inflation Protected Bond Market ETF
Aims to generate returns correlated with realized inflation over the near term. Invests in bonds backed by the federal government and whose principal is adjusted semiannually based on inflation. Carries low interest rate risk.
Expense Ratio
0.1%
Tax Loss Harvesting Alternative
-
VNQI
VNQI
Vanguard International Real Estate ETF
Exposure to stocks in the S&P Global ex-U.S. Property Index, which represents real estate stocks in 30+ countries. High investment growth potential
Expense Ratio
0.24%
Tax Loss Harvesting Alternative
VXUS
VNQ
VNQ
Vanguard US Real Estate ETF
Exposure to stocks issued by real estate investment trusts (REITs), which make real estate investments. Aims to track the MSCI US REIT Index. Has good potential for investment income and moderate growth.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
SCHH
IEMG
IEMG
iShares Core MSCI Emerging Markets ETF
Exposure to large-, mid- and small-capitalization equities of emerging markets. High risk, and high growth potential. Suitable for long-term goals.
Expense Ratio
0.18%
Tax Loss Harvesting Alternative
VWO
VWO
VWO
Vanguard FTSE Emerging Markets ETF
Invests in stocks of companies in emerging markets such as China, Brazil, India, Taiwan, and South Africa. Aggressive ETF appropriate for long-term goals.
Expense Ratio
0.15%
Tax Loss Harvesting Alternative
IEMG
VGK
VGK
Vanguard FTSE Europe ETF
Tracks the FTSE Developed Europe All Cap Index, made of stocks issued by companies in European countries. These countries include Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, and the United Kingdom.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
VEU, VXUS
VEA
VEA
Vanguard FTSE Developed Markets ETF
Tracks the FTSE Developed All Cap ex US Index. Exposes your portfolio to a diversified group of stocks of companies located in Canada and the major markets of Europe and the Pacific region. Includes large-, mid-, and small-cap stocks.
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
SCHF
VEU
VEU
Vanguard FTSE International Stock Market ETF
Tracks the FTSE All-World ex US Index. Diversified exposure across developed and emerging non-U.S. equity markets around the world.
Expense Ratio
0.15%
Tax Loss Harvesting Alternative
VXUS, VGK
VPL
VPL
Vanguard FTSE Developed Asia Pacific Equities ETF
Tracks the FTSE Developed Asia Pacific All Cap Index, which is composed of stocks issued by companies located in the major markets of the Pacific region.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
-
VSS
VSS
Vanguard FTSE International Small Cap ETF
Tracks the FTSE Global Small Cap ex US Index. Gets your portfolio broad exposure to developed and emerging non-U.S. small-cap equity markets.
Expense Ratio
0.19%
Tax Loss Harvesting Alternative
-
VXUS
VXUS
Vanguard Total International Stock Market ETF
Track the FTSE Global All Cap ex US Index, which tracks stocks issued by companies outside the United States. Exposure to developed and emerging non-U.S. equity markets.
Expense Ratio
0.14%
Tax Loss Harvesting Alternative
VEU, VGK
VAW
VAW
Vanguard US Materials ETF
Exposure to stocks in the materials sector. Includes stocks of companies that extract or process raw materials.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
-
VB
VB
Vanguard US Small-Cap ETF
Tracks the CRSP US Small Cap Index made of small-capitalization stocks. Exposes your portfolio to a diversified group of small companies. Suitable for aggressive growth
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
SCHA
VCR
VCR
Vanguard US Consumer Discretionary ETF
Exposure to stocks in the consumer discretionary sector. Includes stocks of companies that manufacture products and provide services that consumers purchase on a discretionary basis.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLY
VDC
VDC
Vanguard US Consumer Staples ETF
Tracks stocks in the consumer staples sector. Includes stocks of companies that provide direct-to-consumer products that, based on consumer spending habits, are considered nondiscretionary.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLP
VDE
VDE
Vanguard US Energy ETF
Tracks the investment return of stocks in the energy sector. Includes stocks of companies involved in the exploration and production of energy products such as oil, natural gas, and coal.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLE
VFH
VFH
Vanguard US Financials ETF
Tracks stocks in the financials sector, including stocks of companies that provide financial services.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLF
VGT
VGT
Vanguard US Information Technology ETF
Tracks stocks in the information technology sector. This includes stocks of companies that serve the electronics and computer industries or that manufacture products based on the latest applied science.
Expense Ratio
0.14%
Tax Loss Harvesting Alternative
XLK
VHT
VHT
Vanguard US Health Care ETF
Tracks stocks in the health care sector. Includes stocks of companies involved in providing medical or health care products, services, technology, or equipment.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLV
VIG
VIG
Vanguard US Dividend Appreciation ETF
Tracks the NASDAQ US Dividend Achievers Select Index. Exposes your portfolio to companies with a record of growing their dividends year over year.
Expense Ratio
0.1%
Tax Loss Harvesting Alternative
SCHD
VIS
VIS
Vanguard US Industrials ETF
Tracks stocks in the industrials sector. Includes stocks of companies that convert unfinished goods into finished durables used to manufacture other goods or provide services.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLI
VO
VO
Vanguard US Mid-Cap ETF
Follows the CRSP US Mid Cap Index, which tracks mid-capitalization stocks. Exposes your portfolio to a diversified group of medium-size companies.
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
IJH
VOE
VOE
Vanguard US Mid-Cap Value ETF
Follows the CRSP US Mid Cap Value Index, which tracks mid-cap stocks. Exposes your portfolio to a diversified group of midsize value companies.
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
IWS
VOO
VOO
Vanguard S&P 500 ETF
Invests in stocks in the S&P 500 Index, made of the 500 largest U.S. companies. High growth potential makes it good for long-term goals.
Expense Ratio
0.05%
Tax Loss Harvesting Alternative
VTI, ITOT, SCHB, VV, VUG
VOX
VOX
Vanguard US Telecom ETF
Tracks stocks in the telecommunication services sector. Includes stocks of companies that provide telephone, data-transmission, cellular, or wireless communication services.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
-
VPU
VPU
Vanguard US Utilities ETF
Tracks stocks in the utilities sector. Includes stocks of companies that distribute electricity, water, or gas, or that operate as independent power producers.
Expense Ratio
0.12%
Tax Loss Harvesting Alternative
XLU
VTI
VTI
Vanguard Total US Stock Market ETF
Tracks the CRSP US Total Market Index. Large, mid, and small-cap equity diversified across growth and value styles.
Expense Ratio
0.05%
Tax Loss Harvesting Alternative
VOO, ITOT, SCHB, VV, VUG
VTV
VTV
Vanguard US Prime Market Value ETF
Tracks the CRSP US Large Cap Value Index, which measures the investment return of large-capitalization value stocks. Provides a convenient way to match the performance of many of the nation’s largest value stocks.
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
IVE, VYM
VUG
VUG
Vanguard US Prime Market Growth ETF
Tracks the CRSP US Large Cap Growth Index. Exposes you portfolio to many of America's largest growth stocks.
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
VOO, ITOT, SCHB, VV, VTI
VV
VV
Vanguard US Large-Cap ETF
Tracks the CRSP US Large Cap Index. Exposes your portfolio to a diversified group of stocks of large U.S. companies.
Expense Ratio
0.09%
Tax Loss Harvesting Alternative
VOO, ITOT, SCHB, VUG, VTI
VXF
VXF
Vanguard US Extended Market ETF
Exposure to stocks of small and midsize companies. Tracks almost all regularly traded U.S. stocks except those in the S&P 500 Index.
Expense Ratio
0.1%
Tax Loss Harvesting Alternative
VBK, IWO, VBR, IWN
VYM
VYM
Vanguard US High Dividend Yield ETF
Tracks the FTSE High Dividend Yield Index, which tracks high dividend yield stocks. Exposure to stocks that are forecasted to have above-average dividend yields.
Expense Ratio
0.1%
Tax Loss Harvesting Alternative
VTV, IVE
VT
VT
Vanguard Total World Stock Market ETF
Tracks the FTSE Global All Cap Index, which covers established as well as developing markets. Invests in both foreign and U.S. stocks. This aggressive ETF is appropriate for long-term goals.
Expense Ratio
0.18%
Tax Loss Harvesting Alternative
-
  US   International Market   Emerging Market   Europe   World

Tax Loss Harvesting

To save taxes through tax loss harvesting, we sell the ETFs in your portfolio to book losses. However, the wash-sale rule will prevent us from buying the same ETF within the next 30 days. This could mean that we miss opportunities to buy undervalued ETFs at low prices. To solve this, we have an alternative ETF for almost every important ETF we trade. For example, when we sell Vanguard FTSE Emerging Markets ETF (VWO), we replace it in your portfolio with iShares Core MSCI Emerging Markets ETF (IEMG).

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