![]() ![]() ![]() "With the doldrums, it's in the norm to gain up to 5 or 6 pounds over the winter, but with full-blown SAD, weight gain can be far more than that."Įither way, it stems from the same cause: Sensitivity to the lack of sunlight that results from winter's "shorter" days and disrupts our circadian rhythm, or internal body clock. "While a person with winter doldrums may have difficulty waking up or getting out of bed at times, someone with seasonal affective disorder can't get to work on time," says Michael Terman, PhD, director of the Winter Depression Program at New York Psychiatric Institute and Columbia University Medical Center. But about 11 million Americans have a more severe form of winter depression - seasonal affective disorder, the aptly acronymed SAD that is typically diagnosed after at least two consecutive years of more intense symptoms. For most people, it manifests as winter doldrums, the "I-can't-wait-for-winter-to-end" feeling that produce mild but manageable sluggishness and food cravings. That's the problem: The gloom caused by Mother Nature each winter in much of the country is biologically felt to some degree by an estimated one in four of us - usually starting around October and then magically ending by April with spring's thaw. It's harder to get out of bed, and when you do, your mood resembles the landscape you see - cold, dark, and nasty. Your sexual appetite may be on a diet, or even fasting. Cocooning with some leftover Christmas cookies or other sweet and high-carb fare sounds better than hanging with the crowd. You know the feeling: You're more tired these days, maybe anxious or moody. In this case, one fund has a 90+ score – which the clear winner between these two.Now that the Christmas tree is composting and radio stations have shelved that cheery holiday music until next winter, let's get real with some rewriting: 'Tis the season to be melancholy. Running both of these funds through Minafi's A large fund by itself doesn't mean it's aįund, but it is one thing to consider when figuring outįunds, you'll most likely only need to invest in one of these funds – not both. ![]() This is a good indication of how many other investors trust this fund. One place these two funds differ is in their total (specifically '2.2 - All About Fees') where I go over all the different types of fees you can be charged and how to lower them. If you're just getting started investing and learning how fees impact your portfolio, I'd encourage you to read through my The difference between a 2% fee and a 0.04% fee over 30 years can result in your portfolio having The lower the score, the farther down in your portfolio a fund would go.įees are one of the biggest killers of portfolio growth. A score of 10 means that this fund (or one like it) belongs in a These scores are based on when most investors would add these funds to their portfolio. The lower the score, the more specific the investment. This doesn't mean it's a worse fund, but it does mean you should stop and make sure this a fund you need toĪ score of 10 means this is a solid market and category that almost every investor will want to have investments in. The more niche a fund is, the lower the score. Takes into account the category and market. Fund Holdings Comparisonįunds – which means they're likely both investing in about the same investments behind the scenes. Let's look into these criteria one by one and see if either of these funds stands out. When evaluating a fund, the first things I look at are: The difference between ETFs and Mutual Funds. To learn more about the difference between these two, you can read about ![]() Some platforms charge an additional fee to purchase a mutual fund. If you're investing outside of a 401(k), I'd recommend you verify the fees associated with ETF and mutual fund transactions. Usually 401(k)'s will offer both ETFs and Mutual Funds. Mutual funds, on the other hand, are generally offered by the platform they're issued by (Fidelity funds on Fidelity, Vanguard funds on Vanguard). ETFs are more widely availble from a larger number of The biggest differences between these two is where they may be offered. Both ETFs and mutual funds are just containers to hold lots of investments inside of them. Even though one of these is a mutual fund and the other is an ETF, that doesn't matter too much for their holdings. ![]()
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