

Before required minimum distributions kick in, retirees have a rare window to control exactly how much income lands on their tax return and how much of their Social Security gets taxed. One popular fund that looks like a solution actually makes the problem worse.

The biggest number in the Trump Accounts rollout isn't the $1,000 government contribution. It is the nearly 70 million children now sitting inside a new investment system — one that initially directs contributions into a single State Street ETF.


Ferguson Wellman Capital Management Inc. lowered its position in iShares Core S&P Total U.S. Stock Market ETF (NYSEARCA:ITOT) by 13.0% in the third quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 45,077 shares of the ETF's stock after selling

Checking your brokerage app every morning feels responsible, but Morningstar's research suggests it costs retirees far more than any fee ever could. Three iShares ETFs are specifically engineered to make you stop looking, and that boredom is exactly the point.

The Vanguard Total Stock Market ETF promises broader diversification than the S&P 500, but a decade of returns tells a different story about what those extra 3,000 tickers actually deliver to your portfolio.

The fee that made sense while your portfolio grew now runs against a balance you are actively spending down, and the math shifts in ways most retirees never stop to calculate.

VTI's rock-bottom fee gets all the attention, but there's a second cost buried in the fund's structure that most investors never think to check before they buy.