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Direct-indexing platform with automated tax-loss harvesting
Platform that buys an index's individual components and automates tax-loss harvesting.
Summary
A wealthtech platform that replicates an index by owning its component stocks in the same proportions, then continuously monitors positions to realize tax losses while preserving index-like exposure.
Problem
Index funds aggregate ownership, preventing investors from harvesting individual stock losses; manual harvesting is complex and inefficient.
Target customer
Taxable investors with large portfolios or capital gains (e.g., startup exit recipients), financial advisors, high-net-worth individuals.
Solution
Provide an account that holds individual index components, algorithmically identifies loss-harvest opportunities, and executes swaps to maintain exposure while realizing losses.
Business model
aum feesubscriptionper-transaction/per-swap feewhite-label/licensing to advisors or brokerages
Distribution
SEOcold outreachpartnerships
Required skills
customer discoverydistributionproduct validation