id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
cjfa-16357	Nowak, Kamil	LOW COST RETIREMENT SOLUTIONS BASED ON ROBO-ADVISORS AND EXCHANGE TRADED FUNDS	2018	20	.pdf	application/pdf	7724	350	60	■ Tax efficiency – Unlike mutual funds ETFs do not expose their sharehol- ders to capital gains distributions. Money market ETFs and mutual funds expense ratio and performance comparison Fund Ticker AUM (millions USD) Expense ratio (%) Performance (%) +/-	cache/cjfa-16357.pdf	txt/cjfa-16357.txt