Susten?

[buckbunny]

Does anybody here use susten.jp ?
How is it, and how much does it cost? They don't advertise their fee on their public website.

[RetireJapan]

There is a 'fee' page on that site: https://susten.jp/fees

Seems they take a % of profits month by month, based on previous highs.

I'm guessing you'd be better off investing in 1-3 mutual funds yourself

[buckbunny]

Oh, you're right! How did I miss it??

So, they take between 0.12%-0.18% of gains only, not NAV. It seems cheap.

Edit: Holy molly, it's not percents, it's fractions of the gain, i.e. 12%-18% Noooo thanks!

[buckbunny]

The "tax-optimized" automatic rebalancing thing is attractive, but the ETFs they invest in aren't much. They don't have any SVC/RIET or factor tilt. I'd definitely sign up if they had some DFA funds.

Investing in US funds only doesn't feel that much tax-optimized to me, too.