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Buying portfolio insurance to protect against falls in the market — if the outcome of the midterm elections is disputed — is so obvious to Kevin Muir, he regards it as a “chip shot.”

Suze Orman, a financial personality worth roughly $75 million, just told The Wall Street Journal that she never eats at restaurants. Not because she cannot afford to. Because she thinks you should not either.

The author and television host who has spent decades telling Americans how to handle their money, gave a recent interview to The Wall Street Journal where she made her position clear.

“I refuse to eat out,” she said. “I think that eating out on any level is one of the biggest wastes of money out there,” Fortune reported.

What Suze Orman says about dining out

“We still to this day eat at home,” Orman told the Journal.

On the day of the interview, her wife Kathy Travis had cooked congee rice for lunch and meatloaf for dinner.

The couple does go out occasionally. But Orman said it is never because she wants to spend money on restaurant food. It is because friends want to meet, and she would rather pay the bill than watch people with less money spend what they should not.

“If we go out to eat, the deal is we have to pay because I am not going to let people, who I know don’t have the kind of money that we have, waste their money on food eating out,” she said.

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Her criticism has gotten sharper as restaurant prices have climbed. Between December 2024 and December 2025, prices for food away from home rose 4.1%. Food consumed at home rose 2.4% over the same period. Overall consumer prices rose 2.7%, according to BLS data.

Fast food has not escaped the trend.

“Look up McDonald’s. Look up Taco Bell. Are you kidding me? $23, $30 just to go to McDonald’s for whatever you eat there,” Orman said.

Why Orman also refuses to buy coffee out

The same logic applies to coffee. Orman, who is 75, brews Cafe Bustelo at home every morning. She is not a Starbucks customer.

“I would drop dead before I bought a coffee,” she told the Journal. “I do one cup a day, and that’s it.”

Her point is not that a single latte will destroy your savings.

The concern is what happens when that latte becomes a daily habit, layered on top of lunches out, weekend dinners, delivery orders, and everything else. Small purchases repeat. They compound. The money that funds them does not.

Orman has said the real cost of daily coffee is not the $5 or $6 you hand over at the counter. It is the years of compounding that money never gets to do. She has told audiences that small regular savings invested early can grow into $1 million or more over a lifetime, depending on returns and timeline.

As an example: investing $100 a month at a hypothetical 7% annual return for 40 years would produce roughly $263,000 before taxes and fees. Investment returns are not guaranteed, and actual results will vary depending on what you hold, when you invest, and market conditions over time.

Orman’s criticism applies most directly to people carrying high-interest debt or with no savings cushionAlexander/Getty Images

What this actually costs most Americans each year

Run the numbers on your own spending and you may find that restaurant and coffee habits add up faster than expected.

A $6 coffee five days a week comes to about $1,560 a year. A $25 restaurant meal once a week is roughly $1,300 annually before tip, tax, and getting there. Together, those two habits cost close to $2,900 a year.

That is money that could go toward an emergency fund, a credit card balance, a retirement contribution, or a down payment. It does not have to go there. But you should know it exists as an option before you spend it automatically.

Orman’s criticism applies most directly to people carrying high-interest debt or with no savings cushion. If you have $10,000 on a credit card at 20% interest and you are spending $300 a month eating out, that is a meaningful trade-off worth thinking about.

How to use Orman’s advice without going to extremes

Orman herself is not a model of bare-minimum spending. She flies private. She has owned properties in Manhattan, the Bahamas and South Africa. Her point is not that you should never spend money on anything enjoyable.

It is that you should be deliberate about where your money goes. A weekly dinner out that you plan for, enjoy, and can afford is different from eating out four nights a week because you did not feel like cooking. One is a choice. The other is a habit that does not serve you.

The simplest way to apply her thinking: track what you spend on restaurants, delivery, and coffee for one month.

Add it up. Then look at your savings rate and any debt you are carrying. If the spending is comfortable with where everything else stands, keep it. If it is not, you now know exactly what to cut and how much it would free up.

Orman has said she dislikes strict budgets.

“If you restrict, you limit, you cut back, you don’t buy this, you don’t buy that, and then all of a sudden you explode, and you go out, and you buy everything at once,” she told the Journal. Her preference is awareness over deprivation. Know what you spend. Decide if it is worth it. Then decide consistently.

Related: Suze Orman says the danger has shifted to the employed

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Related: Amazon’s $139 farmhouse storage cabinet is 6 feet tall and has 5 spacious shelves

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Pros and cons of the $95 farmhouse storage cabinet

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It’s a budget-friendly storage piece. At under $100, it’s not impossible to find a storage cabinet, but this selection has a larger size and a more attractive design than many comparable options. 

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Assembly is required. The majority of furniture you buy online needs to be assembled, so this isn’t unusual, but it can still be a time-consuming process. 

It’s not solid wood. Except for the handles, the storage cabinet is constructed with engineered wood, which doesn’t have the same durability and lifespan as real wood. 

Shop more deals

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Oil just spiked past $90 a barrel, and the Federal Reserve looks more likely to raise rates than cut them next month.

Jim Cramer thinks that combination changes the playbook, and he is putting real money behind that view.

On the Tuesday, Sept. 1, episode of “Mad Money,” the CNBC host told viewers that surging oil, rising bond yields, and fresh Middle East tensions call for a more defensive approach, even with many companies still posting strong results.

His reasoning was blunt. “We simply aren’t in an environment that’s conducive to big capital gains, especially during September, which is historically the weakest month of the year,” Cramer said.

Cramer has hosted “Mad Money” since 2005 and managed money as a hedge fund manager before that, so his defensive shifts tend to draw attention when the backdrop turns rough. 

Here is what he actually did, and how you can replicate his moves in your portfolio.

Why surging oil and a possible Fed rate hike changed Cramer’s playbook

Two forces are squeezing the market at the same time, and both hit stocks through the same channel.

The first is energy. 

West Texas Intermediate crude jumped 5% to more than $90 a barrel after the U.S. military launched new strikes against Iranian targets near the Strait of Hormuz, following attacks on two oil tankers in the shipping route.

That matters because higher oil feeds straight into inflation. 

When gasoline and shipping costs rise, companies pay more to operate, and consumers have less to spend on other things.

The second force is the Federal Reserve. 

Fed Chair Kevin Warsh signaled at Jackson Hole that he’s more worried about inflation than slowing growth, a stance that points toward higher rates. Traders quickly responded by pricing in higher odds of a rate hike.

Markets now price a 66% chance of a quarter-point hike at the Sept. 15-16 meeting, Marketplace reported, up sharply from roughly a third before the speech.

Higher rates and oil prices both reduce what investors will pay for future earnings, which is why Cramer moved first.

Jim Cramer says surging oil prices and a possible September rate hike call for a more defensive approach to the market.Slaven Vlasic / Getty Images

Move 1: Raise cash to 15% for a shot at buying quality stocks cheaper

Cramer’s first step was to build a bigger cushion.

The Charitable Trust, the portfolio used by CNBC’s Investing Club, raised its cash position to 15%, a level Cramer called “extremely high.”

For readers, cash here means money not currently invested in stocks. It earns little, but it does not fall when the market drops.

That buffer does two jobs. It protects the portfolio during a pullback, and it gives Cramer money ready to spend when prices fall.

“We want it that high because without a true end of the war, you don’t know when the Iranians will provoke the president,” Cramer said.

He is not rushing to buy every dip, either. Cramer said he wants to see investor sentiment turn considerably more negative before putting more money to work.

How ordinary investors can apply this

Review how much of your portfolio sits in stocks versus cash right now.

Decide on a cash level you can hold without panic if September gets rocky.

Treat that cash as a buying reserve, not idle money.

Move 2: Cut data-center exposure by exiting Corning and trimming Broadcom

Cramer’s second move reduced his bet on the pricey corner of the AI trade.

The Trust exited its remaining Corning (GLW) position on Tuesday, Sept. 1, after trimming it the week before. 

Related: BMO sees writing on the wall for Broadcom stock after earnings

It also cut its Broadcom (AVGO) stake to buy more Cardinal Health (CAH).

The Investing Club sold 165 shares of Broadcom at about $361, cutting its total holding in half. This move locked in a massive 323% profit on the shares originally bought back in 2023. 

The logic is straightforward. High-multiple growth stocks carry rich valuations, and those valuations shrink fastest when rates and oil climb together.

Importantly, Cramer said the move does not reflect weakening AI demand. He pointed to Dell’s strong results as evidence that underlying demand remains solid.

Broadcom heads into its own fiscal third-quarter report with expectations set unusually high, which is the kind of setup Cramer wanted to lighten up on before the print.

Move 3: Rotate into Cardinal Health for steadier, defensive demand

Cramer put some of that freed-up cash into healthcare.

The Trust bought 50 shares of Cardinal Health at roughly $229, lifting its position to about 2.5%.

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Healthcare tends to hold up when the economy slows, because people still fill prescriptions and hospitals still need supplies, no matter where oil trades.

The company also gave investors a reason beyond the defensive label. 

Cardinal Health expects its earnings to grow by 13% to 15% next year. This prediction is higher than the $12.04 per share that Wall Street analysts were expecting.

Cardinal Health reported that it generated about $5 billion in adjusted free cash flow in fiscal 2026, which supports both its dividend and its debt reduction.

This is the classic defensive trade: Swap some volatility for steadier demand and a modest, reliable payout.

What still has to happen before the defensive trade pays off

Cramer’s shifts are a bet, not a guarantee, and a few things need to break his way.

Oil would need to stay elevated or climb further for the inflation threat to stick. If tensions near the Strait of Hormuz ease, crude could fall and the pressure on stocks could lift.

The Federal Reserve also has to follow through. Not everyone agrees a September hike is coming, since some analysts note the softer labor market could hold the Fed back, CNBC reported.

Healthcare carries its own risk, too. Defensive names can still fall during a broad sell-off, and Cardinal Health already trades near the high end of its recent range at about 18 times forward earnings.

There is also a cost to holding 15% cash. If the market rallies instead of falling, that cash earns very little and limits returns.

How investors can read Cramer’s defensive shift

You do not need to copy Cramer’s exact trades to take something useful from them.

The clearest takeaway is to check your own concentration. 

If most of your money is tied up in just a few booming AI stocks, an oil and interest rate shock will hurt you much more than a diversified investor.

Here are a few practical steps worth considering:

Look at how much of your portfolio depends on highly valued tech.

Build a cash reserve you can deploy if September brings lower prices.

Pay down variable-rate debt before higher rates make it more expensive.

That last point applies whether or not you own a stock Cramer mentioned. 

If the Fed hikes interest rates, your credit card bills and loan payments will get more expensive almost immediately. 

The bottom line on Cramer’s rising-rate and oil defense

Cramer’s message for September is simple: Protect what you have before chasing more.

He raised cash to 15%, trimmed the expensive part of the AI trade by exiting Corning and cutting Broadcom, and rotated into Cardinal Health for steadier demand.

The strategy works best if oil prices stay high and interest rates rise. However, if the stock market goes up instead, you will miss out on some extra profits. 

For most readers, the useful move is not to mirror the trades but to review portfolio risk, keep some cash on hand, and clear costly variable debt while rates still hang in the balance.

Related: Marvell investors must carefully consider latest Google deal

In recent months, Americans have gotten more vocal about their concerns over data centers and the effects they could have on home values.

Barcelona has made a key decision on its new signing Rodri ahead of two key matches in La Liga and the Champions League.

After losing control of their first-round picks until 2034, the Clippers now have more incentive than any team in the NBA to tear down their roster and tank with aplomb.

Each month, we check in on the performance of the largest US active exchange-traded funds.While passive ETFs have portfolios where holdings are designed to track the performance of an index, active ETFs are managed by portfolio managers who make the decisions about which investments to own. Like index-tracking ETFs, active ETFs trade on an exchange and are typically lower-cost and more tax-efficient than traditional actively managed mutual funds.When evaluating ETFs, investors should focus on long-term returns across multiple years and market cycles. However, short-term returns can provide valuable information about biases within strategies.Out of the 10 largest US active ETFs, the top performer last month was the $28.1 billion Avantis Emerging Markets Equity ETF AVEM, which gained 5.34%. The bottom performer was the $31 billion Avantis US Small Cap Value ETF AVUV, which lost 0.23%.Here’s more about the performance of the largest active ETFs.Dimensional US Core Equity 2 ETF DFACMorningstar Medalist Rating: GoldMorningstar Category: Large BlendThe $48.8 billion Dimensional US Core Equity 2 ETF rose 2.05% in August. The gain on the fund was shy of the 2.39% gain on the average fund in the large blend category, underperforming 67% of its peers. The fund lagged its benchmark, the Russell 3000 Index, by 0.69 percentage points.Over the past 12 months, the Dimensional fund rose 21.40%, while the average fund in its category rose 18.00%. The fund, launched in October 2007, has climbed 19.4% over the past three years annualized and 11.7% annualized over the past five.JPMorgan Equity Premium Income ETF JEPIMorningstar Medalist Rating: GoldMorningstar Category: Derivative IncomeThe JPMorgan Equity Premium Income ETF gained 0.80% in August, underperforming the average fund in the derivative income category, which rose 4.27%. The fund underperformed 82% of its peers and lagged its benchmark, the S&P 500 Index, by 1.93 percentage points.The $45.8 billion fund has gained 9.04% over the past 12 months, while the average fund in its category is up 14.82%. The JPMorgan fund, launched in May 2020, has climbed 9.50% over the past three years annualized and 7.22% annualized over the past five.JPMorgan Nasdaq Equity Premium Income ETF JEPQMorningstar Medalist Rating: SilverMorningstar Category: Derivative IncomeIn August, the JPMorgan Nasdaq Equity Premium Income ETF rose 4.65%, while the average derivative income fund gained 4.27%. The fund outperformed 77% of its peers and beat its benchmark, the NASDAQ 100 Index, by 0.41 percentage points.The $41.6 billion fund has climbed 20.90% over the past 12 months, outperforming the average fund in its category, which rose 14.82%. The JPMorgan fund, launched in May 2022, has gained 19.34% over the past three years annualized.iShares US Equity Factor Rotation Active ETF DYNFMorningstar Medalist Rating: SilverMorningstar Category: Large BlendThe $41.2 billion iShares US Equity Factor Rotation Active ETF rose 2.99% in August. The gain on the fund beat the 2.39% gain on the average fund in the large blend category, outperforming 80% of its peers. The fund beat its benchmark, the MSCI USA Index, by 0.27 percentage points.Over the past 12 months, the iShares fund rose 22.44%, while the average fund in its category rose 18.00%. The fund, launched in March 2019, has climbed 24.77% over the past three years annualized and 14.99% annualized over the past five.JPMorgan Ultra-Short Income ETF JPSTMorningstar Medalist Rating: GoldMorningstar Category: Ultrashort BondThe JPMorgan Ultra-Short Income ETF gained 0.33% in August, performing roughly in line with the average fund in the ultrashort bond category, which rose 0.33%. The fund outperformed 57% of its peers and lagged its benchmark, the Bloomberg US Aggregate Bond Index, by 0.06 percentage points.The $41 billion fund has gained 3.86% over the past 12 months, while the average fund in its category is up 3.98%. The JPMorgan fund, launched in May 2017, has climbed 5.03% over the past three years annualized and 3.77% annualized over the past five.Capital Group Dividend Value ETF CGDVMorningstar Medalist Rating: GoldMorningstar Category: Large ValueThe $38.4 billion Capital Group Dividend Value ETF rose 0.81% in August. The gain on the fund was shy of the 1.82% gain on the average fund in the large value category, underperforming 79% of its peers. The fund lagged its benchmark, the S&P 500 Index, by 1.92 percentage points.Over the past 12 months, the Capital Group fund rose 22.06%, while the average fund in its category rose 21.74%. The fund, launched in February 2022, has gained 23.73% over the past three years annualized.Avantis US Small Cap Value ETF AVUVMorningstar Medalist Rating: GoldMorningstar Category: Small ValueIn August, the Avantis US Small Cap Value ETF fell 0.23%, while the average small value fund was unchanged. The fund underperformed 53% of its peers and lagged its benchmark, the Russell 3000 Index, by 2.97 percentage points.The $31 billion fund has climbed 27.05% over the past 12 months, outperforming the average fund in its category, which rose 21.96%. The American Century fund, launched in September 2019, has climbed 17.36% over the past three years annualized and 12.48% annualized over the past five.Janus Henderson AAA CLO ETF JAAAMorningstar Medalist Rating: BronzeMorningstar Category: Securitized Bond – FocusedThe $30.3 billion Janus Henderson AAA CLO ETF rose 0.45% in August. The gain on the fund was shy of the 0.55% gain on the average fund in the securitized bond – focused category, underperforming 60% of its peers. The fund beat its benchmark, the Bloomberg US Aggregate Bond Index, by 0.06 percentage points.Over the past 12 months, the Janus Henderson fund rose 4.83%, while the average fund in its category rose 4.62%. The fund, launched in October 2020, has climbed 6.22% over the past three years annualized and 4.98% annualized over the past five.Avantis Emerging Markets Equity ETF AVEMMorningstar Medalist Rating: SilverMorningstar Category: Diversified Emerging MktsIn August, the Avantis Emerging Markets Equity ETF rose 5.34%, while the average diversified emerging mkts fund gained 4.11%. The fund outperformed 75% of its peers and beat its benchmark, the MSCI EM IMI Index, by 1.26 percentage points.The $28.1 billion fund has climbed 36.17% over the past 12 months, performing roughly in line with the average fund in its category, which rose 36.54%. The American Century fund, launched in September 2019, has climbed 23.96% over the past three years annualized and 10.26% annualized over the past five.Fidelity Total Bond ETF FBNDMorningstar Medalist Rating: GoldMorningstar Category: Intermediate Core-Plus BondIn August, the Fidelity Total Bond ETF rose 0.40%, while the average intermediate core-plus bond fund gained 0.40%. The fund underperformed 51% of its peers and performed roughly in line with its benchmark, the Bloomberg US Aggregate Bond Index.The $28.1 billion fund has climbed 2.16% over the past 12 months, performing roughly in line with the average fund in its category, which rose 2.07%. The Fidelity fund, launched in October 2014, has climbed 4.73% over the past three years annualized and 0.41% annualized over the past five.

Stock exchange-traded funds, or equity ETFs, are often low-cost, tax-efficient instruments for investors to track popular indexes or leverage experienced manager choices to beat the market. The best ones serve as low-cost building blocks in a portfolio, and unlike open-end mutual funds, all ETFs are traded throughout the day on an exchange.In August 2026, the worst-performing stock ETFs included mid-cap blend funds Inspire Growth ETF GLRY and Tema US Manufacturing & Reshoring ETF WELD. Data in this article is sourced from Morningstar Direct.Screening for the Worst-Performing ETFsWhen evaluating ETFs, investors should focus on long-term returns across multiple years and market cycles. However, short-term returns can provide valuable information about biases within strategies.To find the month’s worst-performing stock ETFs, we screened the ones in the Morningstar US equity category that trade within the United States. We excluded exchange-traded notes and ETFs with less than $100 million in total assets. Within our list, four funds fell into the small blend category, where the average name fell 0.07% in August.The 10 Worst-Performing ETFs for August 2026Inspire Growth ETF GLRYTema US Manufacturing & Reshoring ETF WELDTema Electrification ETF VOLTInvesco S&P SmallCap Momentum ETF XSMOInvesco S&P SmallCap 600 Pure Growth ETF RZGBahl & Gaynor Small Cap Dividend ETF SCDVThrivent Small Cap Value ETF TSCVBancreek US Large Cap ETF BCUSInvesco S&P SmallCap Low Volatility ETF XSLVInvesco Dorsey Wright SmallCap Momentum ETF DWASMetrics for the Worst-Performing Stock ETFsInspire Growth ETFMorningstar Rating: ★★★Expense Ratio: 0.8%Morningstar Category: Mid-Cap BlendThe worst-performing ETF in August was the $165 million Inspire Growth ETF. The actively managed Inspire ETF declined 5.57%, underperforming the average mid-cap blend fund, which gained 0.94%. Over the last year, the fund has climbed 13.05%, underperforming the 16.85% gain on funds in its category, placing it in the 71st percentile for the period.The Neutral-rated Inspire Growth ETF launched in December 2020.Tema US Manufacturing & Reshoring ETFMorningstar Rating: ★★★★★Expense Ratio: 0.75%Morningstar Category: Mid-Cap BlendThe $272.7 million Tema US Manufacturing & Reshoring ETF was the second-worst-performing ETF in August, with a 4.46% loss. The actively managed ETF lagged the 0.94% gain on the average fund in Morningstar’s mid-cap blend category for the month. Over the last year, the fund has gained 29.55%, outperforming the 16.85% gain on funds in its category, placing it in the 8th percentile for the period.The Neutral-rated Tema US Manufacturing & Reshoring ETF launched in May 2023.Tema Electrification ETFMorningstar Rating: N/AExpense Ratio: 0.75%Morningstar Category: Mid-Cap BlendThe third-worst-performing ETF in August was the $713.9 million Tema Electrification ETF. The actively managed Tema ETFs ETF declined 3.93%, underperforming the average mid-cap blend fund, which gained 0.94%. Over the last year, the fund has climbed 31.82%, outperforming the 16.85% gain on funds in its category, placing it in the 5th percentile for the period.The Neutral-rated Tema Electrification ETF launched in December 2024.Invesco S&P SmallCap Momentum ETFMorningstar Rating: ★★★★★Expense Ratio: 0.36%Morningstar Category: Small BlendThe $2.9 billion Invesco S&P SmallCap Momentum ETF ranked fourth for the month, falling 3.55%. The Invesco ETF, which is passively managed, fell further than the 0.07% loss on the average small blend fund. Over the past year, the fund has risen 15.86%, underperforming the 20.82% gain on funds in its category, placing it in the 78th percentile for the period.The Silver-rated Invesco S&P SmallCap Momentum ETF launched in March 2005.Invesco S&P SmallCap 600 Pure Growth ETFMorningstar Rating: ★★★Expense Ratio: 0.35%Morningstar Category: Small GrowthThe fifth-worst-performing ETF in August was the $127.5 million Invesco S&P SmallCap 600 Pure Growth ETF. The passively managed Invesco ETF declined 2.84%, underperforming the average small growth fund, which gained 0.83%. Over the last year, the fund has climbed 23.87%, outperforming the 18.09% gain on funds in its category, placing it in the 30th percentile for the period.The Bronze-rated Invesco S&P SmallCap 600 Pure Growth ETF launched in March 2006.Bahl & Gaynor Small Cap Dividend ETFMorningstar Rating: N/AExpense Ratio: 0.7%Morningstar Category: Small BlendThe $155.7 million Bahl & Gaynor Small Cap Dividend ETF ranked sixth for the month, falling 2.78%. The Bahl & Gaynor ETF, which is actively managed, fell further than the 0.07% loss on the average small blend fund. Over the past year, the fund has risen 9.35%, underperforming the 20.82% gain on funds in its category, placing it in the 92nd percentile for the period.The Neutral-rated Bahl & Gaynor Small Cap Dividend ETF launched in December 2024.Thrivent Small Cap Value ETFMorningstar Rating: ★★★★Expense Ratio: 0.6%Morningstar Category: Small ValueThe seventh-worst-performing ETF in August was the $177.5 million Thrivent Small Cap Value ETF. The actively managed Thrivent ETF declined 2.74%, underperforming the average small value fund, which was flat. Over the last year, the fund has climbed 18.55%, underperforming the 21.96% gain on funds in its category, placing it in the 71st percentile for the period.The Silver-rated Thrivent Small Cap Value ETF launched in March 2022.Bancreek US Large Cap ETFMorningstar Rating: N/AExpense Ratio: 0.7%Morningstar Category: Large BlendThe $151.6 million Bancreek US Large Cap ETF ranked eighth for the month, falling 2.55%. The Bancreek Capital Advisors ETF, which is actively managed, lagged the 2.39% gain on the average large blend fund. Over the past year, the fund has risen 8.32%, underperforming the 18.00% gain on funds in its category, placing it in the 94th percentile for the period.The Bancreek US Large Cap ETF has a Negative Morningstar Medalist Rating, meaning Morningstar analysts expect it to underperform the average fund in its category over a market cycle.Invesco S&P SmallCap Low Volatility ETFMorningstar Rating: ★★Expense Ratio: 0.25%Morningstar Category: Small BlendThe $248.9 million Invesco S&P SmallCap Low Volatility ETF was the ninth-worst-performing ETF in August, with a 2.53% loss. The passively managed Invesco ETF fell further than the 0.07% loss on the average fund in Morningstar’s small blend category for the month. Over the last year, the fund has gained 12.27%, underperforming the 20.82% gain on funds in its category, placing it in the 87th percentile for the period.The Neutral-rated Invesco S&P SmallCap Low Volatility ETF launched in February 2013.Invesco Dorsey Wright SmallCap Momentum ETFMorningstar Rating: ★★Expense Ratio: 0.6%Morningstar Category: Small BlendThe $408.3 million Invesco Dorsey Wright SmallCap Momentum ETF ranked tenth for the month, falling 2.50%. The Invesco ETF, which is passively managed, fell further than the 0.07% loss on the average small blend fund. Over the past year, the fund has risen 22.75%, outperforming the 20.82% gain on funds in its category, placing it in the 43rd percentile for the period.The Neutral-rated Invesco Dorsey Wright SmallCap Momentum ETF launched in July 2012.What Are ETFs?Exchange-traded funds are investments that trade throughout the day on stock exchanges, much like individual stocks. They differ from traditional mutual funds—known as open-end funds—which can only be bought or sold at a single price each day. Historically, ETFs have tracked indexes, but in recent years, more ETFs have been actively managed. ETFs cover a range of asset classes, including stocks, bonds, commodities, and most recently cryptocurrency.ETFs offer investors an efficient way to gain exposure to the markets, often with low fees and an ease of buying and selling. They also generally offer higher tax efficiency than open-end funds.How to Find Top ETFs for the Long TermETFs are often equated with low-cost indexing. However, the ETF marketplace has grown increasingly complicated. Some ETFs track a very narrow part of the market or pursue specific themes. Some ETFs invest based on a particular factor or a combination of them. And now there are actively managed ETFs.Use these Morningstar resources to help find the best ETFs for the long term:Learn about the types of exchange-traded funds, their costs, and how to invest in them by reading Morningstar’s Guide to ETF Investing.Find the highest-rated ETFs across all investment categories in The Best ETFs and How They Fit in Your Portfolio.Review Morningstar director of personal finance Christine Benz’s suggested ETF portfolios for those saving for or already in retirement, including Tax-Efficient Retirement-Saver Portfolios for ETF Investors, Tax-Sheltered Retirement-Saver Portfolios for ETF Investors, ESG Tax-Sheltered Retirement-Saver Portfolios for ETF Investors, Tax-Sheltered Retirement-Bucket Portfolios for ETF Investors, and Tax-Sheltered ESG Retirement-Bucket Portfolios for ETF Investors.Research ETFs based on your personal selection criteria by using our Morningstar Investor Screener. The tool, which is available to Morningstar Investor members, allows investors to screen ETFs based on various criteria, including asset class, Morningstar Category, Medalist Rating, and fee level.Visit Morningstar’s ETF page for the latest articles and videos from our ETF specialists.

The Toronto Blue Jays’ surprise trade addition turned some heads with his decision right after being traded from the Los Angeles Dodgers.