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5 tips to choose the best ETF funds

5 tips to choose the best ETF funds

ETF or Exchange-Traded Funds are a type of mutual funds that trade in stocks, securities and track various indexes. Exchange-traded funds often invest in a broad range of industry sectors and use various strategies to yield maximum returns. One of the biggest advantages of investing in high dividend ETFs is they have lesser fees than other indexed funds, thereby costing you less in taxes.

Although ETFs help in diversifying your portfolio, it is important to choose the right funds that compliment your current investments. Here is how you can choose the right high dividend ETF funds.

  • Consider tracking difference
    One of the factors that set high dividend ETF funds from other market investments is tracking differences; that is, the difference between ETF performance and index performance. The lower the tracking difference, the better the ETF fund. This ensures that the ETF fund is reasonably priced and trackable.
  • Define your investment goals
    Identify your investment objectives to pick the best ETFs. Ask yourself if you want to invest in companies with specific characteristics, diversify your portfolio, or find a lower-cost alternative to mutual funds. Furthermore, consider how long you plan to invest. Financial experts suggest not investing if you will need the money within the next five years. It is also not recommended to invest at the expense of other financial goals such as saving for retirement or paying off high-interest debt.
  • Liquidity of ETF funds
    This is one of the most important factors that can help in choosing the best high-dividend ETF funds. The liquidity of ETF funds depends on two factors: liquidity of the ETF and liquidity of its corresponding underlying shares. Market experts suggest that funds with higher trading volume and more underlying liquid assets tend to be less volatile, making them safe to invest.
  • Level of transparency
    While focussing on expense ratio is important, it is also important to be aware of the stock holding of your preferred high-dividend ETF funds. This helps you decide if it is wise to invest in that particular ETF fund in the long run. One of the biggest advantages of investing in ETF funds is that they maintain a level of transparency with respect to their holdings and underlying investments. So, research their holdings and evaluate if they are a perfect fit for your portfolio.
  • Calculate risks
    This is an important factor irrespective of the type of investments. Ensure that the risks associated with your high dividend ETF fund will let you sell easily and earn maximum profit. Being aware of its potential closing will also help you decide the right time to liquidate your funds. Closing can happen if a fund has not yielded enough assets to offer profitable returns, including administrative costs. It is necessary to review each fund’s assets, average daily trading volume, and trading tenure to evaluate the risks of investing in a particular high dividend ETF fund.
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Top automated investing services that make investment easy for all

Automated investing services or Robo advisors are becoming popular by the day, and financial experts around the world only expect to see a surge in their usage. This is because these intelligent services offer one crucial advantage that many investors benefit from: low-cost financial advice. With many top financial services companies jumping in the race to provide customers with the best automated investing services, there are plenty of great options available for every kind of investor.What is a Robo advisor and how much does it cost?A Robo advisor is a digital platform that provides algorithmic-driven money management services that require virtually no human supervision. It does this by collecting client data like financial situation, future goals, and other details through an online survey. This data is then used to automatically manage clients' assets and provide them with the most suitable financial advice. Robo advisors are immensely cheaper than human financial advisors. Most services only charge an annual management fee that is anywhere between 0.25% and 0.5% of the account balance. Depending on your need, you can even find good Robo advisors that offer services free of charge and low minimum balance value. Top Robo advisors in the marketThere are several low-cost Robo advisors that you can choose based on your needs and preferences. Here are some of the best automated investing services or Robo advisors available in the market today.BettermentBetterment is one of the oldest and the most popular players in the industry. It allows clients to invest in a range of funds chosen for you to improve returns. It offers automatic rebalancing, tax-loss harvesting, a personalized retirement plan, and can even sync your outside holdings like bank accounts and any other investments. At extra cost, you can up your investing game by talking to a certified financial advisor on the phone.Management fee: 0.25%Account minimum: $0https://www.betterment.com/investing/SoFI InvestA go-to choice for student loan refinancing, SoFi has now expanded its services into automated investing with its user-friendly investment management system. The company provides goal-based planning, automatic rebalancing, and diversifies your money to help reach your financial goals. Plus, you’ll receive member benefits like career services, discounts on SoFi products, and the opportunity to speak to a human advisor—everything at zero cost. Management fee: noneAccount minimum: $1https://www.sofi.com/invest/automated/WealthfrontWealthfront is one of the largest automated investing companies that offer both short and long-term financial goal planning. Its software builds a diversified portfolio of low-cost index funds to improve your returns and offers time-tested investment strategies that automatically look for profitable opportunities. Management fee: 0.25 percentAccount minimum: $500https://www.wealthfront.com/Charles Schwab Intelligent PortfoliosCharles Schwab is one of the most trusted financial services companies that launched its own Robo advisor that helps build, monitors, rebalances a diversified portfolio based on your goals, and provides 24/7 customer support from US-based service professionals. With Schwab, you are not charged any advisory fee or commission and can invest in a portfolio of low-cost exchange-traded funds (ETFs).Management fee: noneAccount minimum: $5,000https://intelligent.schwab.com/

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How SBA’s guaranteed loans are beneficial for small businesses

Running a small business during financially turbulent times can be extremely trying. But, monetary aid, specifically small business loans, can definitely make things easier for both the business and its employees. Funded and guaranteed by the federal government, 7(a) loan programs have been designed by keeping business-owners’ best interests in mind. Here are answers to some commonly asked questions regarding small business loans: What is an SBA loan? Loans by the Small Business Administration (SBA) are guaranteed business loans that are given to small businesses by participating lenders. Since these loans are guaranteed by the federal agency, they are much more manageable than those provided by private agencies. SBA loans also have the added advantage of lower interest rates. These loans are available in a broad range in order to suit specific business needs. You can get a loan that ranges anywhere from $500 to $5.5 million to fund your entrepreneurial adventure. Further, the loan can be accessed in the form of fixed assets or working funds. Types of SBA loansSBA loans are available in many types. Some of them include—SBA flagship loans, microloans, SBA disaster loans, and 504 loans, among others. Each of these loans comes with different funding criteria. What makes SBA loans beneficial? The money for SBA loans is funded by banks, private-sector companies, and other lenders, but the SBA guarantees a portion of these loans, which means that if you fall short on your payment, then the federal agency has you covered. This gives you the flexibility to take the loan for longer periods with lower monthly payments. What are the eligibility criteria to apply for an SBA-guaranteed business loan? Needless to say, the SBA has a set of strict standards by which it chooses its borrowers. They have four basic conditions: The owner of the business should have invested their own time and money The business located and operates in the countryThe business must have exhausted all other financing optionsThe company must be a profit-making one The guaranteed business loans are also given to businesses based on their income, ownership, and operational area, among other criteria. How do you apply for a guaranteed business loan with the SBA?Applying for an SBA loan is rather simple. The process requires you to visit SBA’s official website, where you can access the loan application checklist that contains the list of all the documents that are required to apply for a business loan. You can also apply for a loan through SBA’s financing platform, which is known as SBA Express. If your credit and financial situation are in order, then the SBA can even fast-track your loan request. You can also apply for a guaranteed business loan through a bank. But, this would require extensive research on your part to verify which banks are known for processing SBA loans and their terms and conditions, among other details.

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Potassium plays a huge role in the health of our heart muscles and nerve cells. And high levels of this element in the blood cause hyperkalemia. If you consume meals high in potassium, your doctor may advise you to decrease portion sizes and concentrate on fruits and vegetables with a lower potassium content. Here is a list of foods rich in potassium that must be avoided if you have hyperkalemia. Yogurt and dairy products A serving of nonfat yogurt weighing eight ounces has roughly 625 mg of potassium, making it one of the dairy aisle’s highest sources of potassium. Even reduced fat milk contains 366 mg of potassium in a glass of cow’s whole milk. Ricotta and cottage cheese are also high in potassium. Goat cheese is a low potassium food, proving that not all cheeses are made equal. Likewise, About 131 milligrams of potassium may be found in a half cup of vanilla ice cream. Bananas When people consider foods high in potassium, bananas frequently come to mind. A banana normally contains 422 mg of potassium. Among all the fruit, bananas are athletes’ favorite as they provide energy. However, it could be highly dangerous for someone suffering from hyperkalemia.
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10 incredible anticipated Black Friday jewelry deals

If you have been meaning to buy that beautiful solitaire ring or those stunning earrings, this Black Friday sale is the best time to do it. It is the time when you can restock your jewelry stash and even find some great gifts and keepsakes. We have sorted through hundreds of 2021 Black Friday deals and found the best ones so that you can keep an eye out for similar offers this year too. 10 expected Black Friday jewelry deals you cannot miss Pearl stud earrings One of the few things that have stood the test of time is pearl jewelry. It is classy, stunning to look at, and represents femininity and strength. Much more than just a trend, pearl necklaces are perfect for women of all ages. Macy’s cultured freshwater earrings are 7mm in 14k gold. These earrings could be available for almost $100 off in the Black Friday sale. Stacked rings One of the latest trends to hit the fashion circles, stacked rings are definitely gorgeous. They make you stand out from the crowd without making you look overdressed. KAY Jewellers might offer almost 70% on selected stacked rings in their range. It could also offer further discounts with an email sign-up.
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