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Former Minneapolis police officer Derek Chauvin could receive a pension worth more than million during his retirement years, even if he is convicted in connection with the death of George Floyd.Chauvin is the officer identified as kneeling on Floyd's neck during his arrest in May. He kept his knee on Floyd's neck for more than eight minutes, even as Floyd begged that he couldn't breathe.Chauvin, who had worked for the Minneapolis Police Department since 2001, was promptly fired. He was later charged with third-degree murder in connection with Floyd's death, which has since been upgraded to second-degree murder.But Chauvin still stands to benefit from a pension program partially funded by taxpayers. A number of states allow for the forfeiture of pensions for employees convicted of felony crimes related to their work. However, Minnesota does not have that policy in place.Chauvin would likely be eligible for annual payments of around ,000 a year if he chose to start receiving them at age 55.The benefits could stretch to .5 million or more over a 30-year period. 1090

For those would-be investors wanting to jump into the stock market but wondering which stock to buy, legendary investor Warren Buffett has a suggestion: Try buying 500 stocks instead.“In my view, for most people, the best thing to do is own the S&P 500 index fund,” Buffett said at Berkshire Hathaway’s annual meeting in May. But what is the S&P 500, and how do you invest in one of its funds?Here’s an intro to how S&P 500 funds work, and whether one might be a good fit for your portfolio.What is the S&P 500?The S&P 500, or S&P, is a stock market index comprising shares of 500 large, industry-leading U.S. companies. It is widely followed and often considered a proxy for the overall health of the U.S. stock market.Standard & Poor’s, an American investment information service, created the index in 1957. Every quarter, its investment committee meets to review which stocks belong in the index based on each company’s market size, liquidity and group representation. Today, 505 stocks constitute the index, since some of the 500 companies have more than one class of shares.Contrary to popular belief, the stocks forming the index are not the 500 biggest U.S. companies, but they are arguably the 500 most important companies. Over .2 trillion is invested through the index, with these 505 stocks representing about 80% of the total U.S. stock market’s value.The S&P 500 is a cap-weighted index, meaning each stock within the index is weighted according to its market capitalization, or total market value (number of outstanding shares multiplied by current market price). The larger the company, the greater its influence on the index.As of Aug. 31, 2020, these are the top 10 companies by index weight in the S&P 500:Apple.Microsoft.Amazon.Facebook.Alphabet, Google’s parent company (shares in classes A and C).Berkshire Hathaway.Johnson & Johnson.Visa.Procter & Gamble.How do you invest in the S&P 500?An index is a measure of its underlying stocks’ performance, so you cannot directly invest in the index itself. Buying every company’s shares would be an arduous task (think 505 separate transactions), but thankfully there are index funds and exchange-traded funds, or ETFs, that replicate the index, effectively doing that work for you.While all S&P 500 funds track the holdings of this index, an investor must consider whether using an index fund (a passively managed mutual fund) or an ETF makes the most sense for them. The good news when weighing index funds versus ETFs is that there are solid S&P 500 options in each category, and all of these products leverage the diversity of the index itself.Because the S&P 500 is weighted by each company’s market capitalization, the larger companies in the index can sometimes have an outsize impact on the performance of the larger index. In other words, a big dip in price for Apple shares can create a dip in the index as a whole. Because of this, some investors prefer to purchase the S&P 500 in an equal-weighted format, so that each company has the same impact on the index. This is meant to create an index that is more representative of the overall U.S. market.After deciding your preference for an index fund or ETF, cap-weighted or equal-weighted, you can begin narrowing down which S&P 500 fund to purchase. To minimize your costs, look into each fund’s expense ratio — the percentage of your assets you’ll pay in fees each year — to see how they compare.Fees are important here since all of these funds track the same index, which means their returns should be roughly the same. The lower the fee, the more of that return you keep.Should you invest in the S&P 500?There are a number of things to think about before you choose any investment. But an S&P fund can generally be a good choice if you want to add broad exposure to the U.S. stock market to your portfolio.“The S&P 500 is a key part of a diversified investing strategy because it’s a good bet that the U.S. economy will continue to succeed and grow in the long term,” says Tony Molina, senior product manager at Wealthfront. The U.S. has the largest economy and stock market in the world, and is one of the most resilient and active, especially when it comes to innovation. That’s why it’s a no-brainer to include the S&P 500 as part of your portfolio.”Larger companies are generally more stable to invest in because they are well-established and widely followed. Thus, these stocks usually have less risk and lower volatility. The S&P 500 combines large companies across various industries, so investors access a broad, diversified mix of companies when investing in it.Choosing an index fund or ETF can also help investors avoid — or at least minimize — the behavioral pitfalls from stock-picking, which is a losing strategy, says Dejan Ilijevski, president of Sabela Capital Markets.Ilijevski cites the May 2018 study by professor Hendrik Bessembinder at Arizona State University, which examined investments in publicly traded U.S. stocks between 1926 and 2016 and found that just over 4% of the companies accounted for the total wealth created.“Picking those few individual winners is impossible,” Ilijevski says. “Your best bet is to own as much of the market with a fund that tracks the index.”Using index funds and ETFs can help investors generate strong returns while also minimizing their costs, says Kevin Koehler, chartered financial analyst and director of the investment strategy group at Miracle Mile Advisors in Los Angeles.“Investing in the S&P 500 the past 25 years would have given an investor over a 10% annualized return, proving that an investor does not need to be paying high expenses to get good market returns,” Koehler says.Are there drawbacks to investing in the S&P 500?There are caveats to consider. The S&P 500 consists of only large-cap U.S. stocks. Portfolio diversification encompasses buying mid- and small-cap companies along with large-caps; allocating funds to international companies along with domestic ones; and including bonds, cash and potentially other asset classes with stocks.Koehler also notes drawbacks in the S&P 500 related to its market-cap weighting.“As passive investing increases, investors are continually investing in S&P 500 funds, which has contributed to a ‘rich get richer’ problem, where the largest stocks are getting larger due to S&P 500 investing, rather than individual stock investing,” Koehler says. “This can lead to higher volatility, as active managers sell an individual stock on top of index funds selling a portion. The market could continuously be overvalued compared to its underlying value.”But relative to the downsides of many investment types, the flaws of S&P 500 funds seem relatively minor, especially when used as a part of your overall portfolio and held for the longer term. This helps explain why icons like Buffett have so publicly endorsed them.“I happen to believe that Berkshire is about as solid as any single investment can be, in terms of earning reasonable returns over time,” said Buffett at the May meeting, speaking about the investing company he’s turned into an empire. “But, I would not want to bet my life on whether we beat the S&P 500 over the next 10 years.”More From NerdWallet4 Ways Women Can Invest in Other WomenHow the Pros Ride Market Volatility — and Why You Shouldn’tIf Doing Less Means Saving More, Try These 5 Money MovesTiffany Lam-Balfour is a writer at NerdWallet. Email: tlambalfour@nerdwallet.com. 7573

Following Bill Clinton’s sharp rebuke of President Donald Trump Tuesday evening, Barack Obama gave his sharpest scolding of Trump since inauguration day.In Obama’s speech he delivered Wednesday at the Democratic National Convention, Obama lashed Trump for his approach to the presidency.“I did hope, for the sake of our country, that Donald Trump might show some interest in taking the job seriously; that he might come to feel the weight of the office and discover some reverence for the democracy that had been placed in his care,” Obama said.“But he never did. He’s shown no interest in putting in the work; no interest in finding common ground; no interest in using the awesome power of his office to help anyone but himself and his friends; no interest in treating the presidency as anything but one more reality show that he can use to get the attention he craves.”Obama, who was largely silent during the first three years of Trump’s tenure, has become more vocal during this election year. While generally avoiding direct shots at Trump, Obama has prodded Trump for his handling of a number of situations. But his speech Wednesday went as the sharpest reproach Obama has delivered on Trump.“Donald Trump hasn’t grown into the job because he can’t,” Obama said. “And the consequences of that failure are severe. 170,000 Americans dead. Millions of jobs gone. Our worst impulses unleashed, our proud reputation around the world badly diminished, and our democratic institutions threatened like never before.”Trump, who got word late Wednesday of Obama’s censure, responded in kind.“When I listen to this and see the horror that he left us, the stupidity of the transactions that he has made. Look what we are doing,” Trump said. Trump continued by boasting about building the border wall and improving the economy since Obama left office."“President Obama did not do a good job,” Trump added. “The reason I am here is because President Obama and Joe Biden, because if they did a good job, I would not be here. Probably if they did a good job, I would not have even run. I would've been very happy.” 2113

For the first time since President Donald Trump appointed two justices to the United States Supreme Court, the Highest Court in the land ruled on abortion. It did not go the way conservatives and faith leaders had hoped. THE RULINGMedical Services LLC v. Russo, the case before the court, was whether a 2014 Louisiana law, which said abortion providers must have admitting privileges in nearby hospitals, could stand. The law would have left, for instance, only one abortion provider in New Orleans. Chief Justice John Roberts joined the four more liberal justices in declaring the law unconstitutional. "The Louisiana law imposes a burden on access to abortion.." Justice Stephen Breyer wrote on behalf of the majority. WHY IT MATTERSOn paper, conservative and faith leaders have enough justices to make significant changes to abortion rights in this country. When President Trump appointed Justice Neil Gorsuch and Justice Brett Kavanaugh to the court, conservatives had a 5-4 edge with Chief Justice Roberts, Justice Samuel Alito, and Justice Clarence Thomas. However, with Chief Justice Roberts siding with the liberal wing of the court today, it shows conservatives may be further away than they thought from any significant changes to Roe v Wade. 1261

For families missing the big screen, Walmart is set to debut its drive-in movie tour this summer.In a release posted to their website, Walmart said it will be working with Tribeca Enterprises to transform 160 of its store parking lots into contact-free drive-in movie theaters."Beginning in August, Walmart will roll out this red carpet experience in towns across the country for a combined 320 showings," the company wrote. "This family-friendly night will include hit movies, special appearances from filmmakers and celebrities and concessions delivered right to customer vehicles."The drive-in tour will run through October. Additional details, such as locations and ticket information, will be announced here closer to the start of the tour, officials say.For more information, click here. 801

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