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All Hands on deck for the ETF Portfolio course!

Pearl quest portfolio explorer™

An interactive ETF portfolio course for understanding risk, allocation, and portfolio discipline.

Pearl Quest Portfolio Explorer™  is an interactive educational experience that helps learners understand how model portfolios—like those used by robo-advisors and RIAs—are constructed for different goals and risk levels.


Through short lessons, an AI-powered tutor, and interactive apps, participants can:


• Explore traditional and ESG model portfolios
• Test their own risk tolerance
• Track portfolio drift using built-in tools
• Learn how to design and monitor their own ETF-based portfolios


The course bridges investing theory and real-world application—empowering learners through education, not advice. 

Chart your course. Discover the models professionals use. Build your own map to financial confidence

1. setting sail: understanding your vessel

Every voyage begins with the same question: What kind of ship will carry you?

In investing, that “ship” is your portfolio, 

and the materials that build it are the exchange-traded funds (ETFs) you choose.


Throughout this course, we’ll work with ETFs because they are typically low-cost, diversified, transparent, and easy to rebalance across many types of investments. 


They give individual investors the same efficiency and global reach that professional money managers use.

    Continue below to explore what it costs to navigate your portfolio.

     Before you set sail, it helps to understand the cost of the navigation tools available to modern investors. Some voyagers steer entirely on their own, others rely on automated guidance, and some hire a professional crew. Each path has different costs and levels of support.


    Use this chart to compare what you might pay each year for different kinds of portfolio management.

    Typical Fund Fees

     Here’s how fund costs look today. If you choose very low-cost passive ETFs, you might pay roughly $100 per year on $100,000. If you use an actively managed fund that costs 0.60%, you’re paying $600 per year.
    In the model portfolios we’ll show you, the average fund cost is targeted at ~0.12%, or about $120 per $100,000 — meaning you keep more of your returns working for you. 

    What is an ESG Portfolio?

    Understanding ESG Portfolios: Investing with Purpose

     ESG stands for Environmental, Social, and Governance: three lenses investors use to evaluate how companies behave beyond their financial results.


    • Environmental: How a company manages its impact on nature : energy use, emissions, and resource efficiency.
    • Social: How it treats people: employees, communities, and customers.
    • Governance: How it’s led: board diversity, transparency, and ethics.


    An ESG portfolio groups exchange-traded funds (ETFs) that emphasize these factors while still targeting traditional goals like growth and income.


    Some investors choose ESG portfolios because they want their investments to reflect personal or institutional values. Others use them for risk management, believing that firms with strong ESG practices are more resilient over time.


    ESG portfolios can perform similarly to traditional ones, though results vary by market and by the specific criteria each fund applies.


    Later, we will show where ESG choices fit into your risk-return compass — and how to compare them to traditional portfolios. 

    2. Reading the Winds: Risk, REturn & the Market Seas

    Coming Ashore Soon!

     

    Our next exploration, Lesson 2: Reading the Winds,  docks December 1.
    Subscribe below to receive your signal flare when it’s ready to embark.

    Subscribe

     Educational content. Not investment advice or an offer to buy/sell securities. 

    Copyright © 2025 Pearl Quest - All Rights Reserved.

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