With over 850 species, the genus Nomada is one of the largest genera in the entire family Apidae, and the largest genus of cleptoparasitic cuckoo bees.. They occur worldwide, and utilize many different types of bees as hosts, primarily the genus Andrena.
In an earlier article, I wrote about the iShares FTSE NAREIT Mortgage Fund ETF (NYSEARCA: REM) as a good way to generate income in an environment where interest rates are low, and yields on investment grade bonds are quite possibly at long-time lows.hile I initially thought that an ETF would be a more attractive investment because of the diversification, I found that the performance of REM significantly lagged the performance of both AGNC and NLY over all periods analyzed.
First and foremost, you want your ETFs to be cheap. All other things being equal, even a difference of a few dollars per year can make a big impact on your long-term returns. To determine the cost of an ETF, you need to look at its expense ratio, which tells you the total cost of investing in the fund as a percent of your investment, every year. For example, an expense ratio of 0.5% tells you that you'll pay $5 annually for every $1,000 you invest. Also, you want to make sure the ETF does a reasonably good job of tracking its intended index. The performance history isn't likely to match that of the index exactly-- after all, stocks need to be bought and sold to maintain the desired ratios, which is nearly impossible to do with 100% efficiency.