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How to Maximize a $2M Portfolio Without Overpaying for Management

❓ How much is the annual management fee for a $2,000,000 portfolio? 🤔 Typically, it’s 1-2% of the total value — meaning $20,000 to $80,000 per year!

Lyubomyr Ostapiv, founder of Wealth Gardens, believes this cost isn’t justified. ✒️ 


✨ While a well-diversified core portfolio aligned with individual goals remains essential, Wealth Gardens can connect clients with top-tier active managers who can add real value to their investments:


Equity & Income ETFs

✅ JEPI – JPMorgan Equity Premium Income ETF

  • The world’s largest actively managed ETF by J.P. Morgan.

  • Generates income through a combination of selling options and investing in U.S. large-cap stocks, aiming to deliver monthly income.

  • 7% rolling dividend yield | Annual return since inception: 13%

  • Portfolio Manager: Hamilton Reiner (38 years in the industry, 16 years with J.P. Morgan)

  • Annual cost for a $2M client: $7,000


✅ QQA – Invesco QQQ Income Advantage ETF

  • Provides exposure to the Nasdaq-100 Index with an active options overlay for income generation, downside protection, and upside participation.

  • Distribution rate: 10.5%

  • Portfolio Manager: Peter Hubbard (20+ years at Invesco, BA in Business & Economics from Wheaton College)

  • Annual cost for a $2M client: $5,000 (Free until June 30, 2025)


✅ GSLC – Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF

  • Uses a multi-factor model based on four key attributes.

  • Annual cost for a $2M client: $1,800


✅ DFAS – Dimensional U.S. Small Cap ETF

  • Since 1998! 26-year annual return: 9.2%

  • Portfolio Management:

    • Dimensional uses a rules-based model grounded in scientific research.

    • 5 Nobel laureates in economics have contributed to Dimensional's strategy.

  • Annual cost for a $2M client: $5,400


✅ SHLD – Defense Tech ETF

  • Covers sectors like industrials, cybersecurity, AI, and augmented reality.

  • Stock selection is based on the Global X Defense Tech Index.

  • Annual cost for a $2M client: $10,000


✅ FLIN – Franklin FTSE India ETF

  • Provides targeted exposure to large- and mid-cap Indian companies.

  • 5-year annual return: 11.6%

  • Annual cost for a $2M client: $3,800


Fixed Income & Private Credit

✅ VPLS – Vanguard Core-Plus Bond Active ETF

  • Yes, Vanguard is a major player in active fixed income!

  • Annual performance since inception: 7.4% (benchmark: 5.8%)

  • Portfolio Management: 4 managers, each with 20+ years of experience.

  • I personally met one of them—his track record in fixed income is outstanding!

  • Annual cost for a $2M client: $4,000


✅ PRIV – SPDR® SSGA Apollo IG Public & Private Credit ETF

  • May invest in private credit instruments sourced by Apollo Global Securities LLC.

  • Apollo’s credit platform manages $616 billion in assets.

  • Yield to maturity: 5.6% | Number of holdings: 13,724

  • Annual cost for a $2M client: $14,000


📌 All funds are for informational purposes only—this is not investment advice!

📌 Past performance is no guarantee of future results.

📌 Investing involves risk, including the potential loss of principal.

📌 If you're a beginner, stick to simple, broadly diversified, low-cost funds!

This version keeps your original intent but improves readability, flow, and formatting for clarity. Let me know if you’d like further refinements! 🚀

 
 
 

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