Murray Jones

Long-term financial coach. Founder @Advizmo. Auto-investing. Tax optimized.

[Murray Jones @murrayjones]

SPY vs. SPYM: Same Index. Different Cost.

SPY charges 0.0945% a year. SPYM charges 0.02%.

Same 500 stocks. Same company. The fee applies to your whole balance, every year it grows.*

Comment S&P for the full comparison.

*Hypothetical illustration. All investing involves risk

[Murray Jones @murrayjones]

Two things decide your S&P 500 fund.
Cost and flexibility.

SPYM, IVV, and VOO offer 0.03% fees and full trading access.

SPY costs more at 0.0945%, used more by active traders.

Comment S&P for the full breakdown.

Not tax advice. Individual results vary.

[Murray Jones @murrayjones]

S&P 500 funds all track the same index, so cost is what separates them.

Inside an IRA or 401(k), gains are sheltered, so low-fee funds tend to rank highest.

Comment "S&P" for the full comparison of 7 S&P funds.

Not tax advice. Individual results vary.

[Murray Jones @murrayjones]

We compared and scored 7 common S&P 500 funds. Same 500 companies.

Different structures, costs, and tax considerations.

Comment “S&P” for the free comparison guide.

Not tax advice. Risk of loss applies.

[Murray Jones @murrayjones]

QQQ and QQQM hold the same 100 Nasdaq-100 stocks. Fees differ.
QQQ launched for trading volume. QQQM came later with a lower expense ratio, for long-term holders. Same holdings, different annual cost.
Comment NASDAQ for a free guide comparing Nasdaq funds.
Not investment advice.

[Murray Jones @murrayjones]

S&P 500 ETF fees vary. Some funds charge significantly more than others.

That difference applies to your balance each year.

@advizmo invests idle cash into low-cost index ETFs automatically.

Comment S&P for our full comparison spreadsheet.

Not a tax advice.

[Murray Jones @murrayjones]

In the year 2000, only Microsoft survived the S&P 500 top 10. Today's big 8 may not either.

One approach is focusing on what you can control. That is what @advizmo is built around.

Tax-smart selling is designed to reduce taxes when you sell.

All investing involves risk.

[Murray Jones @murrayjones]

The $3,000 capital loss deduction hasn't changed since 1978. Indexed to inflation, it'd be over $16,000 today.

The cap is fixed, but many missed deductions come from only checking once a year, not the limit itself.

@advizmo is built to harvest losses when opportunities appear.

[Murray Jones @murrayjones]

Leadership rotates. Oil, then consumer and pharma, then financials, now tech and AI. Hard to know who leads next. Own the broad market instead.

That's what @advizmo is built for. Diversified ETFs. Tax-smart selling. Asset location.

Not a guarantee. All investing involves risk

[Murray Jones @murrayjones]

Four ways to reduce your taxes on your investments.

Tax-loss harvesting. Capture a loss to offset gains.
Defers tax, not removes it.

Tax-smart selling. Share order and lots matter.

Retirement accounts.

HSA, if you qualify.

@advizmo automates what can be.

Not tax advice.

[Murray Jones @murrayjones]

Just graduated? Here's how to build credit

-Get a rewards card
-Pay the full balance, set autopay
-Keep balances under 30%
-Keep your first card open

@advizmo auto-invests your idle cash.

All investing involves risk, including possible loss of principal.

[Murray Jones @murrayjones]

W-2: taxes withheld, employer covers half of Social Security and Medicare
1099: nothing withheld, quarterly estimates, 15.3% self-employment tax

Rule of thumb. Set aside 25 to 30% of each 1099 payment

@advizmo can route set-aside funds to higher-yield accounts.

Not tax advice

[Murray Jones @murrayjones]

You can't control the market. You can control lot selection, tax-loss harvesting, and holding periods.

Stock picks get the attention. Tax strategy rarely does.

@advizmo automates the tax-smart side.

Not tax advice. Individual results vary.

[Murray Jones @murrayjones]

Your brokerage may be selling the wrong shares for your taxes.

FIFO and LIFO are defaults for some brokerages. Neither is designed to minimize your tax bill.

Specific lot selection can help. Most brokerages bury it in settings.

@advizmo automates it.

Not tax advice.

[Murray Jones @murrayjones]

Personal finance tools in 2026 look different from those they did five years ago.
Emotion out. Time back. Answers in seconds. Automation that adapts.
@advizmo identifies idle cash, auto-invests excess, and tax-smart selling is designed to reduce taxes when you sell.
Link in bio.

[Murray Jones @murrayjones]

First corporate job, filing taxes for the first time?
5 things for W-2 employees:

-Filing reconciles what was withheld
-W-2 arrives by Jan 31
-Compare filing tools, FreeTaxUSA is lower-cost
-Check deductions and credits
-Deadline April 15
#Investing
Not tax advice.

[Murray Jones @murrayjones]

Tax-loss harvesting isn't accepting a loss.

You sell what's down, buy a similar investment, and stay in the market. The IRS sees a realized loss, which may offset gains or up to $3,000 against ordinary income.

@advizmo automatically tax-loss harvests daily.

Not tax advice.

[Murray Jones @murrayjones]

Buy at $10,000. Drops to $8,000. Sell, take the $2,000 loss, buy a similar investment.

No gains? Up to $3,000 can lower a regular income. At 24%, that loss is worth about $480*.

@advizmo looks for tax-loss harvesting opportunities daily.

*Hypothetical. Not tax advice.

[Murray Jones @murrayjones]

Does tax-loss harvesting matter?
Selling an investment below what you paid can create a loss that may defer taxes, offset up to $3,000 of regular income per year, and offset future gains, subject to IRS rules.*
@advizmo scans for opportunities daily.
*Not tax advice.

[Murray Jones @murrayjones]

New tech for your money that helps with the thinking.

Brokerages let you trade. Budgeting apps show what you spent. The strategy is still on you.

That's why we built @advizmo .

Rules beat reactions. Time back. Answers in-app. Automation that thinks.

*Not tax advice.