https://www.sec.gov/Archives/edgar/data/1644419/000158064222005391/inspirefaithwardlgcap497.htm
497 1 inspirefaithwardlgcap497.htm 497
Inspire Faithward Large Cap Momentum ETF
(NYSE Arca: FEVR)
(a series of Northern Lights Fund Trust IV)
Supplement dated October 27, 2022 to the
Prospectus and Statement of Additional Information (the “SAI”) dated March 30, 2022 and Summary Prospectuses dated May 5, 2022, as supplemented
The Board of Trustees of the Northern Lights Fund Trust IV (the “Board”) authorized an orderly liquidation of the Inspire Faithward Large Cap Momentum ETF (the “Fund”), a series of the Northern Lights Fund Trust IV. The Board determined on October 25, 2022 that closing and liquidating the Fund was in the best interests of the Fund and the Fund’s shareholders.
The last day of trading of Fund shares on NYSE Arca, Inc. (the “NYSE”) will be November 18, 2022 (“Closing Date”), which will also be the last day the Fund will accept creation units from authorized participants. Shareholders may sell their holdings in the Fund prior to the Closing Date and customary brokerage charges may apply to these transactions. Authorized Participants may redeem baskets of shares for a pro rata portion of the Fund’s portfolio on hand through the Closing Date.
The Fund is expected to cease operations, liquidate its assets, and distribute the liquidation proceeds to shareholders on November 28, 2022 (the “Liquidation Date”).
From the Closing Date (November 18, 2022), through the Liquidation Date (November 28, 2022), shareholders may only be able to sell their shares to certain broker-dealers and there is no assurance that there will be a market for the Fund’s shares during this time period. Between the Closing Date and the Liquidation Date, the Fund will be in the process of closing down and liquidating its portfolio. This process will result in the Fund increasing its cash holdings and, as a consequence, not tracking its underlying index.
Shareholders remaining on November 28, 2022 will receive cash at the net asset value of their shares as of that date, which will include any capital gains and dividends as of such date. The liquidating cash distribution to shareholders will be treated as payment in exchange for their shares. The liquidation of Fund shares may be treated as a taxable event. Shareholders should contact their tax adviser to discuss the income tax consequences of the liquidation. Once the distributions are complete, the Fund will terminate.
For additional information regarding the liquidation, shareholders of the Fund may call 1-877-658-9473
This supplement provides new and additional information beyond that contained in the Summary Prospectus, Prospectus, and Statement of Additional Information and should be read in conjunction with those documents. The Prospectus and Statement of Additional Information have been filed with the Securities and Exchange Commission and are incorporated herein by reference.
PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE

Thanks for the update. CDs are now yielding a tad higher than treasuries with the same duration. 4.7% for 2 year CD is very good. I expect after Dec’s rate hike, it will go over 5% for 2 year CDs. You can buy more then.
BY the way, some said that inflation may be sticky but I am not sure what it means for 2023.

Fund Allocations (Cumulative), 9/30/22
There were notable declines in the stock and hybrid funds. The changes in the totals were based on a total OEFs & ETFs AUM of about $29.05 trillion in the previous month, so +/- 1% change was about +/- $290.5 billion. Also note that these changes were from both fund inflows/outflows & price changes.
OEFs: Stocks 50.28%, Hybrids 6.77%, Bonds 21.39%, M-Mkt 21.57%
ETFs: Stocks 79.38%, Hybrids 0.54%, Bonds 20.08%, M-Mkt N/A
OEFs & ETFs: Stocks 56.61%, Hybrids 5.41%, Bonds 21.10%, M-Mkt 16.88%
https://ybbpersonalfinance.proboards.com/thread/245/fund-allocations-cumulative-monthly?page=1&scrollTo=816

bought 2 year CD at Fido yesterday 4.7 % from Goldman Sachs. I am staying away from Ally bank, Discover and unknown banks
I had a couple of CDs go bust in the 1980s. Eventually got my money back but it takes a while
extending maturities out to 5 years would lock in rates, but if you hope to sell above par, probably better to buy bonds, I would think.
If interest rates drop implies inflation is under control. The question is will it require a recession and negative growth to get there?

Who know what is leading this week’s short rally. Many buy the dips have not panned out so well this year. The trend of missed earnings, lower revenues, and cost cutting does not bode well going forward for the market. For now, I am focusing being more defensively and get through this rate hike cycle.
This morning the GDP report came out. First, it looks encouraging until further examination revealed the situation is more complicated than it appeared.
https://npr.org/2022/10/27/1131605558/gdp-economy-growth-inflation-employment-spending-housing-interest-rates

Bond IOs can work like magic, but then can blow up suddenly and unexpectedly. See the recent blowup of IOXIX (it WAS a strong performer in 2022 until...). Twitter LINK

What happens at month 6? Are there not requirements to hold 1 year and 5y for no early-withdrawal fee?

12-mo/5-yr restrictions remain. At the 6 mo from the purchase date, only the rate will adjust to then current rate.
There are media reports that the shaky Treasury Direct site has been ON/OFF due to very heavy last minute demand for I-Bonds before the rate flips lower. TD has already put a FAQs that says that the last day to get the current 9.62% rate is 10/28/22 (not 10/31/22 as one might have expected) with the condition that order confirmation from TD must be received by that date (i.e. order early even on that day). The word in the media is that the last date may practically be Oct 26-27 due to shaky TD site and the lack of staff and resources at TD. A sad state of affairs at TD/Treasury, IMO.

For the week ending on 10/26/22, Bearish remained the top sentiment (45.7%; extremely high) & bullish became the bottom sentiment (26.6%; very low); neutral became the middle sentiment (27.7%; below average); Bull-Bear Spread was -19.1% (very low). Investor concerns: Recession; inflation; supply-chain disruptions; the Fed; dollar; US elections; market volatility (VIX, VXN, MOVE); Russia-Ukraine war (35+ weeks); geopolitical. For the Survey week (Thursday-Wednesday), stocks were up strongly, bonds up, oil up sharply, gold up, dollar down sharply (but still high; key now). #AAII #Sentiment #Markets
https://ybbpersonalfinance.proboards.com/thread/141/aaii-sentiment-survey-weekly?page=7&scrollTo=815

What happens at month 6? Are there not requirements to hold 1 year and 5y for no early-withdrawal fee?

Have you noticed that Morningstar lists the PrimeCap Vanguard funds status as "open," while Morningstar Investor lists them as "closed" ?

Poor editing.
3rd line in M* Analyst - Summary, "...The fund, subadvised by Primecap and closed to all investors,..."

Neither status "open" or "closed" is entirely accurate.
Supplement to the Prospectus and Summary Prospectus
"Vanguard PRIMECAP Fund is closed to new accounts for investors not enrolled in Vanguard Flagship Services or Vanguard Personal Advisor Services. Clients of these services may open new Fund accounts, investing up to $25,000 per Fund account per year as described in this supplement, in individual, joint, and/or personal trust registrations."

Clements says he has over-rebalanced stocks so that he now has 80% of investments in stocks. The other 20% is in short term bonds - which he considers a cash-like bucket - money he will spend in the next 5 years.

https://investorplace.com/hypergrowthinvesting/2022/10/the-100-accurate-bull-market-indicator-that-flashed-last-week/
We are starting buy little more now,
Waiting couple wks months for confirmation /see if a new baby bull is indeed born.
Watching spy 3880 .. If passes maybe more up swings. As of closure today 49% of sp500 stocks are above 50days MA.... Market breadth may have more momentums now
Of course if Amazon and apple ER unfavorable we may drop few percent....
Uncle Powell may knock it out of park again next week w hawkish tones and ? 0.75 + another??0.75 after new yr if market rebound stronger and CPI still bad 7%s

I used Schwab buy my own bonds and mama acct we use fidelity
Fidelity and Schwab bonds desk are extremely safe Imho . most corp bonds bbb- or higher so chance bankruptcy maybe nearb~5 -10% annually if choose lower grades
Got mama Ford bond gm bond and added fidelity 2015 retired TDfund today

@Catch22
Yes sir.. Was trying to say that if you don't better after few days of paxlovid treatments and get worse probably need to get back with your provider and get the antibody infusion treatments (Fda guidelines for not favor MAB infafter 9 days) or get admited due to compromised respiratory status. I think majority of patients do get better if vaccinated and most of the time we see patients get discharge home with supportive care unlike in mid 2020
...
The data for paxlovid is very good but against old variants ( ~85% kill rate) , think the pharmacist staff told me not enough data for the new one and could be only 50s% effective.... It's a very large anti hiv pill lots side effects liver kidney failure and many critical drug interactions... You have to stop hormones (oral contraceptives) psyche meds or heart ANTIARRYTH meds / coumadin, cholesterol meds, stomach meds, and antifungal, etc...medications for 5 7 days... Lots stomach upsets
I am not favor with imervecrin nor HCQ... Not much fda approval although India used it in 2020 and they did ok

I have Paxlovid box & insert. It is a combo oral and each dose is:
300mg nirmatrelvir (2 x 150mg) - it is the Covid antiviral. It interferes with the process of Covid replication in other cells. So, Paxloid must be started within 5 days on initial infection, or it is ineffective. It doesn't kill Covid virus as such.
100mg ritonavir - it is the old HIV drug that is used here to suppress clearance of the above antiviral. It is this part of Paxlovid that causes interactions with other drugs (for cholesterol, blood pressure, heart, etc) whose clearances in the liver are also delayed. So, those other meds have to be reduced or stopped.
Paxlovid rebound is also a known effect - Covid symptoms may return after 5-day course of Paxlovid and all Covid tests may be positive (Home, Rapid, PCR) as body adjust to Paxlovid withdrawal. This is transient and not serious for the patients but others around better be careful as they can catch Covid.

The one issue I’ve heard with this Paxlovid treatment is the potential for Covid “rebound”, but doctors think it’s still worth taking: https://scientificamerican.com/article/what-is-paxlovid-rebound-and-how-common-is-it/?gclid=Cj0KCQjwteOaBhDuARIsADBqRei0IGh4zpzGQbaVKUkGGQks571s3NkqVwf-x1gzew335VzktlvxJGIaAoA9EALw_wcB

The other issue which he addresses is the price inefficiencies required to build a ladder for less than $500,000
I can't imagine someone with only $100,000 in total retirement savings ( unfortunately there are a lot of Americans in this boat) would find this useful.
Here he is buying two or three bills in some of the rungs. I don't see why you couldn't do every five years for example.

There is still over 400 death daily due to COVID and this is far from over. That is a real good bill that President Biden signed including the booster shots.
Getting anti-viral drug treatment early on makes a big difference to prevent further spread of the virus. The 5-day treatment is required. Initial infliction affect one’s pulmonary system (difficulty breathing), cardiovascular system (blood clot), and central nervous system (loss of taste and smell, brain fog and others). Vaccinated and boosted help to reduce the severity of infection and the likelihood of serious hospitalization. I have lost several friends and some ended up being long haulers. This matter is serious. Please wear your mask, use hand sanitizer, and get your bivalent booster shot.

Paxlovid seems an effective medication. It is by prescription but is free from government or from health insurance. I don't know, how much Pfizer gets paid for it although I read somewhere that it would sell it for $530/box (5-day course) list.
It did cause a very bad taste in the mouth that I searched for and found a less common symptom that it is called Paxlovid-Mouth. Also, every 2-3 hours of sitting up, I get sleep-tired, and I am not even a day napper.
Both my wife and I got it. Bright side is that sort of solves the isolation logistics for now.

Yes, Paxlovid is free to the US consumers, as noted above. But Pfizer is getting paid. I found this NPR report with more details that says (but I didn't read the entire contract) that the US Government got a discount from $530/box (5-day course) for its initial huge order, but is paying $530/box for any incremental orders. As is typical, consumers' insurance may be billed first and it is not covered for ANY reason, the Government picks up the tab.
https://www.npr.org/sections/health-shots/2022/02/01/1075876794/feds-contract-with-pfizer-for-paxlovid-has-some-surprises

Paxlovid should be free...Uncle Joe signed bill 5 months ago... Your provider will Probably ask you to sign life waiver form if you want take that horse poison.. So many issue with that anti-HIV HIGH dose medication. Treatments sometimes worsen than the disease process