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Direct Indexing

Create your own personal ETF

Create your own
personal ETF

Individual stock ownership that unlocks daily tax-loss harvesting, full customization, and after-tax returns difficult for ETFs to match.

Get Started

Daily tax loss harvesting

Generate more
tax returns

We review every position, every day. +3.0% average annual tax alpha on US Large Cap, compared to 0.84% from annual ETF harvesting.

Lower minimums

Lower
minimums

Most direct indexing requires $200K+. Vise gives every client access to optimization-driven DI regardless of account size.

Any starting universe

Tax-efficiency
and flexibility

Not limited to a preset menu. US Large Cap, Small Cap, Developed ex-US, All Cap, or a custom blend. If we don't have the index, we'll build it with you.

Rules don't optimize. Algorithms do.

Most platforms run on static rules that conflict with each other. Vise uses a multi-objective optimization engine that weighs every variable before placing a single trade.

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Rules-based rebalancing

Sell if drift exceeds 5%

Harvest losses quarterly

Rebalance on calendar schedule

Maintain 3% cash buffer

Restrict single stock > 10%

Liquidate for distributions first

Rules conflict with each otherUnnecessary turnover

The Vise Advantage

Tax

Drift

Risk

Costs

Client

Multi-objective optimization

Optimal trade list

Every decision accounts for every otherMinimal wasted trades

Daily Tax Loss Harvesting

Most platforms scan for harvesting opportunities on a schedule: monthly, quarterly, or when an advisor remembers to run it manually. Vise scans every position in every account every day.

For a client with a $3.5M portfolio, daily harvesting could have generated $557,459 in tax alpha over 5 years — $31,416 more than monthly harvesting

Daily harvesting

Monthly harvesting

Daily harvesting reflects Vise's internal backtest for US Large Cap direct indexing (daily single-stock tax-loss harvesting, simulated 2000–2023; 37% short-term / 20% long-term tax rates). Monthly harvesting (2.84%): Vise internal harvest-frequency study, same backtest methodology. Externally corroborated by Chaudhuri, Burnham & Lo, “An Empirical Evaluation of Tax-Loss-Harvesting Alpha,” Financial Analysts Journal (2020), which found ~108 bps/yr for monthly harvesting under a different methodology and tax regime. Methodologies and tax assumptions may differ between figures. For illustrative purposes only. Simulated and backtested performance does not reflect actual client accounts and does not guarantee future results. Tax treatment varies by individual circumstances; consult a qualified tax professional.

Direct indexing inside of the rest of your portfolio.

Run DI alongside ETFs, mutual funds, and long-short in a single account on a single platform. Rebalancing, trading, reporting, and household management are built in.

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Fully automated cash management

No 3-day processing delays. No forced reinvestment. No distributions pushed to the next business day because they fell on a weekend.

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Frequently asked questions

What's the minimum to get started?

We do not have a minimum for Direct Indexing.

How is Vise's tax-loss harvesting different?

Vise's optimizer reviews every position in every account daily, not on a monthly or quarterly schedule. Daily scanning captures significantly more harvesting opportunities. The result: +3.0% average annual tax alpha on US Large Cap, +3.5% on US Small Cap, and +2.1% on Developed ex-US, with automated wash sale avoidance across accounts and household-level coordination.

Can I use my own investment models?

Yes. Vise supports nearly any starting universe or index, and if we don't have one you need, we'll work with you to add it. You can customize the number of holdings, factor tilts, ESG exclusions, sector restrictions, and individual security restrictions at both the firm and client level.

What if my client has concentrated positions?

Vise builds around them. The optimizer treats concentrated and locked positions as constraints, constructing the rest of the portfolio to manage overall risk and tracking error. When it's time to diversify, we create a personalized transition plan with separate short-term and long-term gain budgets so your client controls exactly how much tax impact they take on and when.

Which asset classes are available?

US Large Cap, US Small Cap, US All Cap, Developed ex-US (via ADRs tracking MSCI EAFE), Emerging Markets, single-security fixed income, and alternatives including commodities and REITs.

Long Short

When tax losses run dry,
go Long Short.

When tax losses run dry, go Long Short.

Long Short adds a short book that generates losses regardless of market direction. Same account, same platform.

Learn more

The portfolio built for your biggest client.
For every client.

Book a Demo

Product

Resources

Company

521 Broadway
New York, NY 10012

+1 201 375 3969

Form ADV

Form CRS

1 Vise "Platform Assets" encompasses assets actively managed by Vise as well as assets that Vise aggregates, monitors, and uses to generate customized proposals. As of 6/1/2026.
2 This calculation is based on total realized losses as of 12/15/25 and assumes a long-term capital gains tax rate of 20% and a short-term capital gains tax rate of 41%.
3 Source: Cerulli Associates, U.S. Asset and Wealth Management Edition, 2021

Images and graphs on this page are for illustrative purposes only. Does not represent actual client results. Past performance does not guarantee future results.

Tax-Loss Harvesting Disclosures

Vise AI Advisors, LLC (“Vise”) is an SEC-registered investment adviser. The material presented is for informational purposes only and should not be construed as investment advice. It is not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy, or investment product. Nothing on this website should be construed as personalized investment advice, which can only be provided in one-on-one communications.

Investing in securities involves risks, including the potential loss of money, and past performance does not guarantee future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes and may not reflect actual future performance.

Product images shown are for informational and illustrative purposes only and may not reflect how they will appear within the product. Third-party trademarks and service marks referenced are the property of their respective owners.

The portfolio built
for your biggest client.
For every client.

Book a Demo

Product

Resources

Company

521 Broadway
New York, NY 10012

+1 201 375 3969

Form ADV

Form CRS

Images and graphs on this page are for illustrative purposes only. Does not represent actual client results. Past performance does not guarantee future results.

Tax-Loss Harvesting Disclosures

The portfolio built for your biggest client.
For every client.

Book a Demo

Product

Resources

Company

521 Broadway
New York, NY 10012

+1 201 375 3969

Form ADV

Form CRS

Images and graphs on this page are for illustrative purposes only. Does not represent actual client results. Past performance does not guarantee future results.

Tax-Loss Harvesting Disclosures

Create your own personal ETF

Create your ownpersonal ETF

Individual stock ownership that unlocks daily tax-loss harvesting, full customization, and after-tax returns difficult for ETFs to match.

Individual stock ownership that unlocks daily tax-loss harvesting, full customization, and after-tax returns difficult for ETFs to match.

Daily tax loss harvesting

Generate moretax returns

Lower minimums

Lowerminimums

Any starting universe

Tax-efficiencyand flexibility

Rules don't optimize. Algorithms do.

Rules don't optimize. Algorithms do.

Daily Tax Loss Harvesting

Direct indexing inside of the rest of your portfolio.

Fully automated cash management

Fully automated cash management

Frequently asked questions

Frequently asked questions

What's the minimum to get started?

How is Vise's tax-loss harvesting different?

Can I use my own investment models?

What if my client has concentrated positions?

Which asset classes are available?

When tax losses run dry,go Long Short.

When tax losses run dry, go Long Short.

The portfolio built for your biggest client.For every client.

The portfolio builtfor your biggest client.For every client.

The portfolio built for your biggest client.For every client.

Create your own
personal ETF

Generate more
tax returns

Lower
minimums

Tax-efficiency
and flexibility

When tax losses run dry,
go Long Short.

The portfolio built for your biggest client.
For every client.

The portfolio built
for your biggest client.
For every client.

The portfolio built for your biggest client.
For every client.