# Etfo Digest

> Etfo Digest is an independent publication covering Funds, ETFs & fintech / payments. Focus: ETF launches and fund filings. Published by Independent Journal; sponsored by Adamson Brothers Corp. (see the About page). Articles are drafted from primary sources with AI assistance and reviewed under our editorial policy. Not investment advice.

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## Guides
- [Expense Ratios and Fund Fees Explained for Investors](https://etfodigest.com/expense-ratios-and-fund-fees-explained/): Expense ratios and fund fees explained: management fees, 12b-1 fees, sales loads, trading costs and how to read a prospectus fee table, with a worked cost example.
- [How ETF Creation and Redemption Works, Step by Step](https://etfodigest.com/how-etf-creation-and-redemption-works/): How ETF creation and redemption works: authorized participants, creation units, in-kind baskets, arbitrage and why ETF prices stay near net asset value, with an example.
- [ETFs vs. Mutual Funds: Key Differences Explained](https://etfodigest.com/etfs-vs-mutual-funds-key-differences/): ETFs vs. mutual funds compared: how each is priced, traded, taxed and disclosed, what they cost, and how to decide which structure fits, with a worked example and FAQ.
- [How ETFs Work: A Plain-English Guide to Exchange-Traded Funds](https://etfodigest.com/how-etfs-work/): How ETFs work: structure, pricing, trading, creation and redemption, index tracking, costs and risks of exchange-traded funds, with a worked example and a short FAQ.

## Recent articles
- [Sphere Trust Files N-1A as New ETF Filings Hit the SEC](https://etfodigest.com/sphere-trust-n-1a-etf-filings/) (2026-10-13): Sphere Trust filed a new N-1A registration with the SEC on Oct. 13, while Corgi ETF Trust I filed a 485BPOS. Here is what the ETF filings mean and what to watch.
- [485BPOS: Guardian Separate Account N sets VIP fund reorganization](https://etfodigest.com/guardian-separate-account-fund-reorganization-485bpos/) (2026-10-09): A 485BPOS from Guardian Separate Account N announces that more than 20 Guardian VIP funds will be folded into SA portfolios on or about December 4, 2026.
- [485BPOS Filing: Nationwide Adds Two Funds to Survivorship VUL II](https://etfodigest.com/485bpos-nationwide-vl-separate-account-g-filing/) (2026-10-07): Nationwide VL Separate Account-G filed a 485BPOS on Oct. 7, 2026 adding two American Drive allocation portfolios to its Survivorship VUL II policy from Oct. 12.
- [485BPOS Filing: Midland National Life Separate Account C](https://etfodigest.com/485bpos-midland-national-life-separate-account-c/) (2026-10-06): Midland National Life Separate Account C filed a 9 MB 485BPOS on Oct. 6, 2026. Here is what the filing type means and what to check in the document.
- [485BPOS Filing: Eaton Vance Special Investment Trust Updates](https://etfodigest.com/485bpos-eaton-vance-special-investment-trust-filing/) (2026-10-05): Eaton Vance Special Investment Trust filed a 485BPOS on Oct. 5, 2026. Here is what the post-effective amendment is, what the listing shows and what to watch.
- [Tidal Trust V files 485BPOS: what the new ETF filing shows](https://etfodigest.com/tidal-trust-v-485bpos-filing/) (2026-10-02): Tidal Trust V filed a 485BPOS with the SEC on Oct. 2, 2026. Here is what is known about the filing, what a 485BPOS does, and what to watch in the days ahead.
- [485BPOS: BNY Mellon California fund drops "AMT-Free" from name](https://etfodigest.com/bny-mellon-california-municipal-485bpos-filing/) (2026-09-25): A 485BPOS for BNY Mellon California Municipal Bond Fund shows a September 30, 2026 name change, 0.45% management fee and expense ratios from 0.56% to 1.66%.
- [New ETF launches: TenGrove files five ETFs holding private firms](https://etfodigest.com/tengrove-etf-trust-new-etf-launches/) (2026-09-04): TenGrove ETF Trust filed an N-1A for five actively managed NYSE Arca ETFs, including three that may hold up to about 10% in private company securities.
- [ETF filings: Gator Capital plans Long/Short ETF from mutual fund](https://etfodigest.com/gator-capital-long-short-etf-filings/) (2026-08-19): Gator Capital Investment Trust filed an initial N-1A for the Gator Capital Long/Short ETF, which would take over a mutual fund and carry a 3.01% expense ratio.
- [New ETF launches: Capital Group files Multi-Asset Income ETF](https://etfodigest.com/capital-group-multi-asset-income-etf-launch/) (2026-08-05): Capital Group filed Pre-Effective Amendment No. 1 for its Multi-Asset Income Builder ETF, a nondiversified fund that pairs income stocks with fixed-income ETFs.
- [ETF filings: Tradr seeks 12 new 2X single-stock leveraged ETFs](https://etfodigest.com/etf-filings-tradr-12-leveraged-single-stock/) (2026-08-05): An August 5, 2026 485APOS from Investment Managers Series Trust II seeks 12 Tradr 2X daily single-stock ETFs on Cboe BZX, each with a 1.49% management fee.
- [ETF filings: Bridgeway amends N-1A for emerging markets ETF](https://etfodigest.com/bridgeway-emerging-markets-etf-filings/) (2026-07-20): Bridgeway ETF Trust filed Pre-Effective Amendment No. 3 for its Emerging Markets Core Equity ETF, with a 0.70% unitary fee and a proposed BEMC ticker on Cboe.
- [New ETF launches: iShares Nasdaq 100 ETF (IQQ) goes effective](https://etfodigest.com/new-etf-launches-ishares-nasdaq-100-iqq/) (2026-07-07): iShares Trust's July 7, 2026 485BPOS made the iShares Nasdaq 100 ETF (IQQ) effective, with a 0.10% net expense ratio after a waiver through July 2027.
- [485BPOS: Thornburg readies Premium Income Builder ETF (THOR)](https://etfodigest.com/485bpos-thornburg-premium-income-builder/) (2026-05-22): Thornburg ETF Trust's May 22, 2026 485BPOS registers the Premium Income Builder ETF, ticker THOR on NYSE Arca, with a 0.79% fee and an options overlay.
- [ETF filings: Goldman Sachs files Bitcoin Premium Income ETF](https://etfodigest.com/etf-filings-goldman-bitcoin-premium-income/) (2026-04-14): Goldman Sachs ETF Trust filed on April 14, 2026 for a Bitcoin Premium Income ETF that would sell calls on spot bitcoin ETP exposure to generate income.
- [ETF news: SEC approves NYSE Texas listing rule for ETF share classes](https://etfodigest.com/etf-news-nyse-texas-class-etf-shares/) (2026-04-08): On April 8, 2026, the SEC gave accelerated approval to NYSE Texas Rule 5.2(j)(9), allowing generic listing of Class ETF Shares issued by multi-class funds.

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