ETFs trade at NAV because AP, intraday Mutual funds trade at NAV directly, only once a day MUTUAL FUND PROBLEMS 1. Liquidity and redemption issues 2. Higher costs 3. Cash drag ETF PROBLEMS VII. Exploiting Section 852(b)(6): Heartbeat Trades and Capital Structure Arbitrage A. Heartbeat Trades B. Custom Baskets C. AP Motivation for Heartbeat Trades D. The Tax Lollapalooza: Heartbeat Trades and Vanguard’s Capital Structure Arbitrage Sources https://businesslawreview.uchicago.edu/print-archive/unplugging-heartbeat-trades-and-reforming-taxation-etfs