An ETF and a mutual fund can hold identical shares. The difference is how you buy them, not what you own.

Mutual fund orders all fill at one price a day. ETF orders fill at whatever the market says right now.

Buying an ETF monthly at a 4.95 commission can cost more in fees than the fund's entire annual charge.

In a 401(k), an ISA or a TFSA, almost every tax argument between ETFs and funds disappears.

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