Frec Deal

Sign up through our partner Frec link and get $250 after investing in any of their direct index portfolios (requires funding and keeping the account open for 90 days).

Disclosure: This promotion is part of Frec's official referral program. We also receive $250 if you sign up. Investing involves risk, including possible loss of principal. This is not investment advice.

Frec doesn't publicly offer fee discounts beyond its baseline structure, but we've found that a cheeky way to get a more QQQM (tech-focused) index, without higher fees (without selecting their S&P 500® Information Technology index at 0.19% fees), is you can choose its lowest-fee index (S&P 500 at 0.09%):

You can verify Frec's base pricing here:

“Low-cost direct indexing … starting at 0.09 %”

And then layer in customizations (exclude up to two sectors, add/exclude up to 10 stocks) to tilt toward more tech-heavy exposure:

Frec S&P 500 index customizations to be more tech-heavy

Using that approach, we've attempted a 2x tilt toward IT, with reduced Financials weight, and added specific tech stocks. It's not QQQM, but it moves closer, all at the 0.09% fee, with tax-loss harvesting enabled (vs. QQQM's 0.15%).

And see Frec's customization rules here:

“adjust the weights of up to two financial sectors … add/exclude up to 10 stocks”

➡️ Bonus: Through our partner Frec link, Frec currently offers $250 after you invest in any of their direct indices.

Disclaimer: This is not investment advice. Investing and direct indexing involve risks (including tracking error, model risk, and possible loss of principal). Borrowing on margin can increase those risks. Referral bonuses create a conflict of interest, as we may receive compensation if you sign up. Always do your own research or consult a licensed financial professional.

There is none. It's the magic of how affiliate partnerships work (well... sometimes).