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Small-Scale Question Sunday for December 25, 2022

Merry Christmas, everyone!

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ETFs are (slightly) more tax efficient than mutual funds and also more liquid; they also usually have lower fees. Most things generating a return in taxable accounts will trigger taxable events, but ETFs are about as simple as it gets: they'll issue dividends, but so do mutual funds. For VTI, most are qualified and they're small (~1.5%) anyway.