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In-kind redemption

Settling an ETF redemption by handing over securities rather than cash, which lets the fund pass out low-basis holdings without realising a taxable gain.

When an authorized-participant redeems, the fund delivers a basket of its holdings. The fund chooses which tax lots to hand over and naturally selects the ones with the largest unrealised gains, removing them from the portfolio without a sale. No sale means no realised gain to distribute.

This is the structural tax advantage of an etf over a mutual-fund, and it is why broad equity ETFs commonly distribute no capital gains for years at a time while comparable mutual funds distribute regularly.

Example: a fund holds 100,000 shares bought at $30, now $95. Redeeming in kind moves them out with a $6.5M embedded gain untaxed. A mutual fund selling the same block distributes that $6.5M to its remaining holders.

Related: creation-redemption, etf, mutual-fund, cost-basis, authorized-participant

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