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Susan Dziubinski: Hi, I m Susan Dziubinski with Morningstar. Investors have until April 15 to make a contribution to an IRA if they want it to count toward 2020. Joining me today to discuss some ETF ideas for an IRA is Ben Johnson. Ben is Morningstar s global director of ETF research. Hi, Ben. Thanks for being here today. Ben Johnson: Thanks for having me, Susan. Dziubinski: We talk a lot about how wonderful ETFs are for taxable accounts because they tend to be in general pretty tax-efficient. So, why are we talking about them as ideas for an IRA? Johnson: You re absolutely right, Susan. The average investor, if they have a taxable account, should absolutely consider ETFs as the natural home for taxable money given that ETFs relative to most other fund formats and open-ended mutual funds in particular tend to be much more tax-efficient. They distribute few, if any, regular capital gains distributions. But that said, any dividends, any coupon payments that accrue