M*, about FAGIX: "High yield with a boost from equities." Which might help to explain the lower yield compared to some other junk stuff, like:
PRCPX. 7.21%
TUHYX 7.83%
VWEHX 5.98%
SCYB 9.1%
FFRHX. bank loans. 8.22%
ANGL. fallen angels. 8.07%
FALN. fallen angels. 8.42%
FAGIX 5.53%
So FAGIX does not depend totally on the interest. 15% in equities.

Again. Yes, this has been covered in here already. But for handy reference, again, for the year 2024. We'll file those tax returns in early 2025.
But... OOPS! They forgot to list the 10% bracket, as if it does not exist. But it does.
https://www.investopedia.com/inflation-may-have-lowered-your-federal-taxes-by-usd-1500-8400185?utm_campaign=quote-yahoo&utm_source=yahoo&utm_medium=referral
...Because, I see multiple other sources specifically including the 10-percent bracket. Indeed.
https://www.forbes.com/advisor/taxes/taxes-federal-income-tax-bracket/
https://www.axios.com/2023/11/09/irs-tax-brackets-2024-federal-income-taxes

F-bomb is towards the beginning of his speech (7:54 min mark in the above video) when he was ushered away as a precaution from the protesters. I think he said "Close the Fucking door," directed more towards the organizers (rather than the climate protesters).

ETFs have creation/redemption mechanisms for authorized participants (market makers, think of them as wholesalers). They can trade in-kind with stock/bond-baskets in lots of 50,000+ shares. So, if one wanted to buy multiple times of the daily volume, one would work with the ETF sponsor and/or authorized participant.
Retail investors should keep orders at small fractions of the daily volume, e.g. 5% or 10%, and use limit-orders. No retail buyer should dump a market-order for 10,000 shares for something that traded only 3,800 daily. But this sort of thing does happen in pre/post-market (afterhours) trading that is very illiquid. A market-order of just a few hundred shares can be HUGE for afterhours. Some do it for manipulation that doesn't stick in normal trading.

AAII Sentiment Survey, 11/8/23
BULLISH became the top sentiment (42.6%; above average) & bearish became the bottom sentiment (27.2%; below average); neutral remained the middle sentiment (30.2%; near average); Bull-Bear Spread was +15.4% (above average). Investor concerns: Budget; inflation; economy; the Fed; dollar; crypto regulations; market volatility (VIX, VXN, MOVE); Russia-Ukraine (89+ weeks, 2/24/22-now); Israel-Hamas (4+ weeks); geopolitical. For the Survey week (Th-Wed), stocks were up sharply, bonds up, oil down sharply, gold down, dollar down. A huge flip-flop in the Sentiment. Interest rates fell. #AAII #Sentiment #Markets
https://ybbpersonalfinance.proboards.com/post/1245/thread

BlackRock U.S. Insights Long/Short Equity Fund is between 7.5% - 8% income distribution.

https://www.sec.gov/Archives/edgar/data/1018593/000093041323002432/c107259_497.htm
Target funds:
Virtus Seix High Income Fund
Virtus Seix Ultra-Short Bond Fund

I’ve heard I would have to pay a brokerage fee which I wouldn’t have to in a bank IRA.

I've never paid a fee to buy a CD or treasury at Schwab.

A brokered cd has to be sold to the secondary market

Not sure why anyone would consider selling a CD once bought. Especially in 401k or IRA. MM's (now paying ~5.24%) are for liquidity.
I'm not trying to convince you not to follow your plan. I just don't understand your thought process... Not that I need too.

@Jan, am I understanding correctly? You would rather be in a bank (Ally) CD at 4.5% instead of a brokerage (Fidelity) money market at ~5.2%, and you are worried about brokerage CD's which pay at least an extra 1% over your bank CD - because you want liquidity (not to sell on the secondary market)?
Maybe I'm naïve, but I guess I don't understand the concept of opening an IRA at a bank having little flexibility for investing and less return on savings accounts and CDs. I think msf has a good and reassuring post on brokerage accounts above, but, to each their own...

QLTY has filed a prospectus which should have the ER.
0.5%

Firstly, I have both a savings account and IRA with Ally. I did not realize the IRA was not through their brokerage dept. That is good news as far as I am concerned as it is basically the same as a bank CD meaning I won’t have to deal with selling it to a secondary market if by some chance I have to withdraw - I would have to pay 3 months of interest. I can only put a max of 250k in their IRA fund which is insured by the FDIC.
I want to transfer some of my 401k currently in Fidelity (currently the money market) to Ally but I would have to get in a Brokerage fund which I don’t want to do. Since I definitely do not want a brokerage CD, could I not open a bank IRA in another bank same as Ally? That would give me more liquidity and safety compared to brokerage CDs. Stillers fueled my concern about having to sell my CDs instead of withdrawing quickly albeit paying a penalty.
So I currently have a 4.5% one year CD at Ally which matures in February unfortunately as I would like to get a Ally 5 year CD at 4.1% but having to wait until February will undoubtedly lower that rate.
I would also like to open a bank IRA elsewhere - 5 year term. The rest I will leave at Fidelity as I am still working and our 401k is with them.
Very confusing I know. Any further info would be greatly appreciated!

Insurance is a matter of shifting risk. The more risk you want to shift to the insurance the insurer, the more you have to pay.
If you are certain that you will only need tier 1 drugs, and are willing to assume the risk that you are wrong (i.e. pay a lot more if you need other drugs), then the Wellcare Value Script PDP is cheapest. Lowest premium ($0.50/mo), and tier 1 drugs are "free" (no deductible).
Even if you want to insure against needing tier 2 (non-preferred generics), Wellcare is still the cheapest ($5/mo for tier 2 drugs through preferred providers).
If you want to protect yourself (partially) against paying a lot for tier 3 (and higher) drugs, then the Aetna SilverScript SmartSaver plan comes out a little better. For a yearly premium that's around $110 higher ($9.80/mo vs. $0.50/mo), you get a deductible that's $265 less ($280 vs. $545). Is it worth paying $110 more for the possibility that your total cost will be around $145 less ($265 - $110) in case you need brand name drugs?
That's not a rhetorical question. You have to decide what the odds are and whether the gamble makes sense. IMHO the hundred bucks one way or another isn't enough to fret over. What's more important is what is in each formulary and which tier each drug is placed in (some generics show up in tier 3 in some formularies).
Here are some links for plans in Houston (likely similar throughout Texas):
Wellcare Value Script:
Plan: https://www.medicare.gov/plan-compare/#/plan-details/2024-S4802-155-0
Formulary: https://fm.formularynavigator.com/FBO/67/11_6T_Enhanced_PDP_Comp_Form_24181.pdf
Aetna
Plan: https://enroll.aetnamedicare.com/s/shop?tfn=&ZipCode=77001&CountyFIPS=48201&PlanYear=2024&step=PlanList&ref=am.com&PlanID=S5601-197
Formulary: https://www.aetnamedicare.com/documents/individual/2024/formularies/FORM_2024_24023SS3NGz_EN.pdf
The Humana plans have premiums of around $50/mo (two plans) and over $100/mo (one plan).
What I don't like about either the Wellcare plan or the Aetna plan is that they charge coinsurance (24% or 25%) for preferred brand name drugs. That can get expensive very quickly. But only if you wind up using brand name drugs.
Blue Cross MedicareRx Choice has a $25.60/mo premium and a $545 deductible (applies to tiers 3 and above), but a fixed monthly copay for tier 3 (after deductible) of $46-$47. Is it worth paying $300 more per year (above the Wellcare plan)? That depends on the odds of needing brand name drugs.
https://www.bcbstx.com/medicare/tools-resources/forms-documents/pdp-plan-documents

It looks like you're comparing three 2024 Medicare Advantage plans (plan IDs from URL):
Aetna Eagle Plan H5521-323-0 (no drugs)
MVP Medicare Gold Giveback with Part D H9615-019-0 (giveback = $30 credit each month)
Wellcare No Premium Open H2775-106-0
The Medicare.gov link to compare doesn't work, but one can reach the same place (for Erie County, e.g. Zip 14201) by going to Medicare.gov, searching for 2024 Medicare Advantage plans, selecting these three plans, and then comparing.
I suspect that you're looking at a different Aetna plan - an MAPD plan including drug coverage. In any case, the OP is looking for standalone Part D plans.
Something to watch out for is a trend toward charging coinsurance (percentage cost share) instead of co-pays (fixed dollar amounts) for drugs in tiers 3 (preferred brand) and 4 (non-preferred brand). While I don't use any brand name drugs either, the idea of coinsurance still scares me.
The good news is that starting in 2024 once you reach catastrophic coverage (about $3,333) drugs are 100% covered. And in 2025 that threshold drops to $2,000. So the percentage coinsurance concern is significantly mitigated by 2025.
https://www.kff.org/medicare/issue-brief/changes-to-medicare-part-d-in-2024-and-2025-under-the-inflation-reduction-act-and-how-enrollees-will-benefit/

Gee, this sounds strangely - and disturbingly- familiar.....as the coda to 'The Big Short' notes, even as the dust was settling from the GFC, banks already were exploring the sale of CDOs under different names like "bespoke debt tranche instruments." History may not repeat, but it sure does rhyme, which also suggests the WSJ is being somewhat disingenuous in calling this a 'new' thing.
Big Banks Cook Up New Way to Unload Risk
Banks are selling risk to hedge funds, private-equity firms through so-called synthetic risk transfers
U.S. banks have found a new way to unload risk as they scramble to adapt to tighter regulations and rising interest rates.
U.S. Bank and others are selling complex debt instruments to private-fund managers as a way to reduce regulatory capital charges on the loans they make, people familiar with the transactions said.
These so-called synthetic risk transfers are expensive for banks but less costly than taking the full capital charges on the underlying assets. They are lucrative for the investors, who can typically get returns of around 15% or more, according to the people familiar with the transactions.
< - >
The deals function somewhat like an insurance policy, with the banks paying interest instead of premiums. By lowering potential loss exposure, the transfers reduce the amount of capital banks are required to hold against their loans
< - >
Banks started using synthetic risk transfers about 20 years ago, but they were rarely used in the U.S. after the 2008-09 financial crisis. Complex credit transactions became harder to get past U.S. bank regulators, in part because similar instruments called credit-default swaps amplified contagion when Lehman Brothers failed.
Regulators in Europe and Canada set clear guidelines for the use of synthetic risk transfers after the crisis. They also set higher capital charges in rules known as Basel III, prompting European and Canadian banks to start using synthetic risk transfers regularly.
U.S. regulations have been more conservative. Around 2020, the Federal Reserve declined requests for capital relief from U.S. banks that wanted to use a type of synthetic risk transfer commonly used in Europe. The Fed determined they didn’t meet the letter of its rules.
< - >
https://www.wsj.com/finance/banking/bank-synthetic-risk-transfers-basel-endgame-62410f6c

https://www.medicare.gov/plan-compare/?utm_campaign=20231101_oep_mpf_pfa_mamc&utm_content=english&utm_medium=email&utm_source=govdelivery#/compare-plans?plans=2024-H5521-323-0&plans=2024-H9615-019-0&plans=2024-H2775-106-0&fips=36117&year=2024&lang=en
Try this from the medicare site. I'm in NY state and have had Aetna for 3 years going on 4 in 2024. Each year I compare options and they are as good or better than others. I have the zero pay plan because I have no health concerns or prescriptions other than a statin to control cholesterol.
edit: I do self-medicate with beer, but Aetna won't pay for that on any of their plans :)

https://www.sec.gov/Archives/edgar/data/1873280/000089418923008251/kellyetfs-liquidationstick.htm
497 1 kellyetfs-liquidationstick.htm 497
Filed pursuant to Rule 497(e)
File Nos. 333-258490; 811-23723
Supplement to the
Summary Prospectus, Prospectus and Statement of Additional Information (“SAI”)
dated December 29, 2022, as previously supplemented, of the
Kelly Hotel & Lodging Sector ETF
November 6, 2023
The Board of Trustees of the Trust has approved a Plan of Liquidation for the Kelly Hotel & Lodging Sector ETF (the “Fund”). Accordingly, the Fund is expected to cease operations, liquidate its assets, and distribute the liquidation proceeds to shareholders on or about December 8, 2023 (the “Liquidation Date”).
Effective November 7, 2023, the Fund will no longer accept orders to purchase creation units, and the last day of trading of shares of the Fund on NYSE Arca, Inc. will be November 30, 2023 (the “Closing Date”). Shareholders of record on the Liquidation Date will receive cash at the net asset value of their shares as of such date. Shareholders remaining in the Fund until the Liquidation Date may bear increased transaction fees in connection with the disposition of the Fund’s portfolio holdings. Any liquidation proceeds paid to shareholders should generally be treated as received in exchange for shares and will therefore generally give rise to a capital gain or loss depending on a shareholder’s tax basis. Shareholders should contact their tax adviser to discuss the income tax consequences of the liquidation.
In anticipation of the liquidation of the Fund, Kelly Strategic Management, LLC, the Fund’s adviser, will manage the Fund in a manner intended to facilitate its orderly liquidation, such as by raising cash or making investments in other highly liquid assets. As a result, during this time, all or a portion of the Fund may not be invested in a manner consistent with its stated investment strategies, which may prevent the Fund from achieving its investment objective. Shareholders of the Fund may sell their holdings on the NYSE Arca, Inc., on or prior to the Closing Date. Customary brokerage charges may apply to such transactions. After the Closing Date, we cannot assure you that there will be a market for your shares. Please contact the Fund at 1-800-658-1070 if you have any questions or need assistance.
Please retain this Supplement with your Summary Prospectus, Prospectus and SAI for future reference.

https://www.sec.gov/Archives/edgar/data/872649/000119312523271357/d535535d497.htm
497 1 d535535d497.htm LOOMIS SAYLES FUNDS II
Supplement dated November 6, 2023, to the Loomis Sayles Credit Income Fund Prospectus and Statement of Additional Information, each dated February 1, 2023, as may be revised and supplemented from time to time.
Loomis Sayles Credit Income Fund
On November 6, 2023, the Loomis Sayles Credit Income Fund (the “Fund”) was liquidated.
The Fund no longer exists, and as a result, shares of the Fund are no longer available for purchase.

Hello,
Does anyone has experience with Medicare Part D plan -> SilverScript SmartSaver (PDP) offered by AETNA (Texas)?
I have original medicare and this year I am actively researching the plan for 2024.
I have Humana for 2023 but the cost is increasing a lot for 2024 so looking for an alternative.
All my current meds are covered under tier 1 - can't review formulary and don't know my future needs - average health.
I see another plan from Wellcare - premium just 50 cents monthly but drug costs more - so overall costs more than above.
Any other suggestion will be highly appreciated as I don't know how to compare the plans offered and premium prices are all over.
Thanks.