Too much of your wealth in one stock?
Diversify into the S&P 500, without a giant tax bill.
Swap your appreciated stocks for S&P 500 exposure, without selling and triggering taxes.
Cache Exchange Funds seek to benchmark to the performance of the S&P 500 Index; however, they do not directly hold all constituent securities and have other investment restrictions. Please refer to the offering documents for additional details.
It's the smarter way to diversify
For decades, exchange funds have been the best-kept secret of the ultra-wealthy. Cache makes them accessible, modern, and built for the portfolios of today.
Simulated results for illustrative purposes only. Effective capital gains tax rate, Initial cost basis are assumptions. Investment Term is 10 years. The growth rate of 10% is hypothetical, gross of fees, and used to illustrate the benefits of potential tax deferral. More disclosures at usecache.com/legal/use-and-risk-disclosures
Trusted by leaders in tech and finance
Job title and company listed is provided for illustrative purposes only to show examples of the types of investors who have invested in the fund.
Hear what our clients say
"Cache has built THE PERFECT PRODUCT for tech professionals with concentrated stock positions — and their client service is second to none."
Suhag (Client)
Former Director and GM, Amazon
"Cache enables investors like our clients to eliminate single stock risk without paying a hefty diversification tax."
Michael Spector (Advisor)
CEO, Adero Partners
"The transparency in pricing and simplicity in design makes sophisticated investing straightforward and user-friendly."
Kintan Brahmbhatt (Client)
CEO and Co-Founder, Olto.com
"It’s a welcome departure from traditional exchange funds. Our clients can diversify concentrated positions and keep exposure to the growth sector."
John Porter (Advisor)
CEO at Three Bell Capital
"Cache provides a simple and accessible approach to diversifying post-IPO stock that many lifelong tech workers never knew existed."
Thomas Chen (Client)
CTO at Supaglue and Ex-Uber Engineer
"Cache has put together an experienced, professional team that brings the tax efficient strategies of the ultra-wealthy to the masses."
R Singh (Client)
Ex-Google
"I tried to do an exchange fund before Cache, and it was like trying to join a cult. Little info, little transparency, and little confidence with cost and charges. Cache changed all that!"
JC Puente (Client)
Director at Microsoft
"Ever since I learned about exchange funds I've been looking for something like Cache - a simple, transparent and accessible product to diversify tax efficiently."
David (Client)
Ex-Tesla Program Leader
"Cache has broadened access to a product that has historically been exclusive and expensive, and it is unable to take our client assets. It's a huge addition to our concentrated position playbook."
Eric Franklin, CFP (Advisor)
Founder at Prospero Wealth and Early Amazon Employee
Cache does not pay for testimonials or endorsements
Testimonials are provided by current investors in the Cache Exchange Fund and may not be representative of the experience of other customers. Endorsements are provided by Advisors who utilize Cache for their clients and may not be representative of the experience of other customers. Testimonials or endorsements are no guarantee of future performance or success. No individuals were compensated for sharing their testimonials and endorsements with Cache. A conflict of interest exists in that the individuals have a business relationship with Cache.
Founded
Jan 2022
Launched
Mar 2024
Assets managed
$400M+
Avg. investment per client
$850K+
Avg. gains deferred per client
$700K+
Investment range across clients
$100K - $14M+
Exchange funds, reinvented
“A breakthrough in capital gains planning”
Dr. Wesley Gray, Founder & CEO, Alpha Architect
Endorsements are provided by an advisor, who is not a direct client of Cache Advisors, LLC, but collaborates with Cache Advisors, LLC on behalf of their firm's clients. The endorsement may not be representative of the experiences of others, and there is no guarantee of future performance or success. A conflict of interest exists as they have a current business relationship with Cache. The individual was not compensated for this endorsement.
ETF rebalance currently available on Select Fund Series only.
Simulated results for illustrative purposes only. Effective capital gains tax rate, Initial cost basis are assumptions. Investment Term is 10 years. The growth rate of 10% is hypothetical, gross of fees, and used to illustrate the benefits of potential tax deferral. More disclosures at usecache.com/legal/use-and-risk-disclosures
Get matched
Check if your stocks are a match and enroll for the June 30th close. We pool stocks from numerous investors to create the exchange fund.
Exchange
On your assigned close date, your stocks are swapped for exchange fund shares. No taxes are triggered, and your full principal remains invested.
Rebalance
Post-close, we strategically rebalance through an ETF to steer the fund towards benchmark performance. No taxes are triggered.
Redeem
After seven years, you’ll receive ETF shares and stocks upon redemption. Your cost basis stays unchanged, and no taxes are triggered until you sell.
Ready to diversify?
Superior strategy, priced right
“Biggest evolution in exchange funds since its inception”
Steve Stroud, Wealth Manager, Three Bell Capital
Endorsements are provided by an advisor, who is not a direct client of Cache Advisors, LLC, but collaborates with Cache Advisors, LLC on behalf of their firm's clients. The endorsement may not be representative of the experiences of others, and there is no guarantee of future performance or success. A conflict of interest exists as they have a current business relationship with Cache. The individual was not compensated for this endorsement.
Tighter tracking
Exchange funds with an ETF core
Our innovative ETF rebalancing structure lets us offer higher capacity and tighter benchmark tracking, tax-efficiently.
Faster diversification
Biweekly onboarding
Our funds onboard every two weeks.
Legacy funds hold closings quarterly or semi-annually.
Lower minimums
$100K in stocks
Get started with as little as $100K, and diversify over time. Legacy funds can require minimums of $500K - $1M.
Lower fees
0.40 % – 0.95 % annual fee
Annual Management Fees based on contribution
Zero sales fee or performance fee.
Dynamic discounts for certain stocks.
Wholesale pricing through advisors.
Referral discounts available.
The stated fee represents management fees payable to Cache Advisors. All Exchange Funds also include additional operating expenses, which are disclosed in the offering documents. Cache reserves the right to adjust fees at its discretion, with final customer fees detailed in the offering documents.
No sales fees. Advisors receive wholesale discounts.
Legacy funds are typically more than 70% higher.
Lower fees and minimums refer to Cache's exchange funds in comparison to data sourced from certain large institutional providers of exchange funds, which Cache believes to be relevant competitors. However, it may not represent any particular competitor or all exchange fund providers and is subject to change.
Fee comparison for illustrative purposes only, and considers a 7-year investment term. For a $1M initial investment held for 7 years, annual management fees are 0.60% (Cache) and 0.85% (other firms). A 1.5% upfront sales fee is also included (other firms only). For a $5M initial investment held for 7 years, annual management fees are 0.50% (Cache) and 0.85% (other firms). In these scenarios, an investor would incur more than 70% in annual fees.
Illustration excludes additional Cache discounts for specific stocks or wholesale discounts through an advisor. All exchange funds have variable operating expenses, which are excluded. No assumptions are made on fund performance. The illustration is not intended to represent all situations and is subject to change. Comparison based on publicly available information as of 3/31/25.
Limited spots. Act before it’s full.
Funds to match your goals
Bedrock
S&P 500
Access the foundational broad market exposure. Bedrock diversifies you into a portfolio benchmarked to the largest companies across sectors.
UNIX
Nasdaq-100
Tap into the engine of innovation. UNIX trades your stocks for exposure to the giants in tech and biotech. Growth-tilted by design with concentrated sector bets.
Mosaic
S&P 500 Growth
Accelerate growth, keep the quality. Mosaic converts your position into exposure to the fastest growing companies across all sectors of the economy.
NASDAQ-100 Index: a stock market index comprised of equity securities issued by 100 of the largest non-financial companies listed on the Nasdaq stock exchange. S&P 500 Index: a market capitalization-weighted index composed of 500 leading U.S. publicly traded companies widely regarded as a gauge of the large-cap U.S. equities market. S&P 500 Growth Index: tracks the performance of S&P 500 companies with higher forecasted growth rates, including companies with higher price-to-book ratios and expected earnings growth. Broad-based securities indices are unmanaged; investments cannot be made directly into an index.
A bespoke brokerage, built for you.
“I started Cache in 2022 after struggling with my concentrated stock positions in Uber and Waymo. While the world of private wealth had sophisticated products to tackle this problem, most of my friends were unaware of the massive risk they held in their portfolios, or how to diversify tax-efficiently.
Our vision at Cache is to bring exchange funds and other advanced financial instruments to everyone with large stock positions.
Today, our interdisciplinary team of engineers, portfolio managers, operations and regulatory specialists—from Uber, Goldman Sachs, Meta, Wealthfront, Amazon, and many others—work to make that vision a reality for you.”
Managing Director at DGV, Vice President and Portfolio Manager at Goldman Sachs. Columbia, Yale.
Chief Growth Officer and Wealth Advisor at Adero Partners. University of San Francisco.
Brokerage Operations Principal at Wealthfront. Financial Advisory and Operations at Opes, Ameriprise. Series 24 Principal.