Jesus answered, Verily, verily, I say unto thee, Except a man be born of water and of the Spirit, he cannot enter into the kingdom of God. That which is born of the flesh is flesh; and that which is born of the Spirit is spirit. Marvel not that I said unto thee, Ye must be born again. John 3:5-7

Why Few Bond Funds Are Passively Managed—and How to Create Your Own

The main fixed-income index is an easy benchmark for managers to beat and allows them to charge more for doing so. Solution: Do it yourself.

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