Heri Saputra is the founder of The Fractional Investor, where he writes about ETF investing, portfolio construction, and long-term wealth building for beginner and intermediate investors.

He has been personally investing in ETFs and index funds for over 5 years, using the same simple, low-cost, buy-and-hold approach he writes about — building diversified portfolios around core holdings like VOO and SCHD rather than chasing short-term trades. Every strategy and calculation on this site reflects methods he uses or has researched in depth himself.

Heri is an independent retail investor, not a licensed financial advisor, and shares his own research and experience for educational purposes. He believes clear, honest, jargon-free explanations are what most beginners are missing.

You can reach him at contact@fractionalinvestor.co.