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BiggerPockets Money Podcast

AVUV vs VTSAX: Why Small Cap Value Could Outperform

BiggerPockets Money Podcast

BiggerPockets

Business, Education, Investing

4.53K Ratings

🗓️ 20 February 2026

⏱️ 52 minutes

🧾️ Download transcript

Summary

On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French, and how funds like AVUV compare to total market index funds like VTSAX. They discuss historical outperformance, diversification benefits, expense ratios, index construction differences, and whether small cap value deserves a place in your long-term portfolio. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney Connect with Frank Vasquez:  https://www.riskparityradio.com/about Fairfax CASA Donation Page https://www.fairfaxcasa.org/give-now/ Father McKenna Center Donation Page: https://fathermckennacenter.org/how-you-can-help/donate/ We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Mindy and I are so grateful for the following sponsors who make Bigger Pockets Money possible.

0:06.1

When I evaluate debt funds, I look for things like first position loans, personal guarantees, deep experience by the fund operator, low fund leverage, fast liquidity, and consistent returns.

0:16.0

These are some of the reasons why I'm excited to partner with Pine Financial Group.

0:19.9

Their Fund 6 offers

0:21.2

investors exposure to real estate credit, largely for construction and rehab, largely here in Colorado,

0:26.4

with loans originated by an experienced originator with over $1 billion in origination volume.

0:32.8

75% of their borrowers have been repeat customers over 17 years. They offer investors an 8% preferred

0:39.6

return paid monthly and a 70-30 LP split of everything over 10% paid annually. The lockup period

0:47.2

is nine months with liquidity available within 90 days after that nine-month commitment. The fund is

0:53.0

open to accredited investors only.

0:55.1

The fund's minimum investment is typically $100,000,

0:57.9

but Pine Financial is able to reduce that minimum for some investors,

1:01.5

and have agreed to do so for Bigger Pockets Money listeners to a minimum of $25,000.

1:06.6

Full disclosure, I am personally invested in this fund through my self-directed IRA, and of course,

1:12.3

Pine Financial is sponsoring this message and our podcast. If you'd like to invest or check out their

1:17.7

prospectus, go to biggerpocketsmoney.com slash pine today. That's biggerpocketsmoney.com

1:23.7

slash P-I-N-E. Please note that returns are not guaranteed and may vary based on fun performance.

1:30.6

I love math, said no one ever. Nobody starts a business thinking, you know what would make this

1:35.0

more fun? Calculating quarterly estimated taxes. But somehow, every small business owner ends up doing it.

1:41.1

Your dreams of creating, selling, and growing get replaced by late

1:44.4

nights chasing receipts, juggling invoices, and wondering if that bad sushi lunch with Scott

1:48.1

counts as a write-off. Change all that with Found. Found is a business banking platform built

...

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