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Those who hold the fund for five years get a 10% tax reduction on the gains, or a 15% reduction after seven years. Investors can defer capital gains tax on money from another investment by putting it into an Opportunity Zone fund within six months. Another option for deferring and or minimizing taxes is an Opportunity Zone Fund. Keep in mind that the rules have changed: The SECURE Act eliminated the "stretch IRA" option for all retirement accounts inherited after 2020. This means that those who inherit a traditional 401(k), IRA or other qualified retirement account must drain the account within 10 years. That means apps won't be able to do anything in the background, including fetching and notifying you about new messages, unless you're on Wi-Fi (or you manually safe-list them as exceptions). Calls and texts won't come through, but you can still connect to Wi-Fi if necessary for iMessages and other tasks. In an email, a spokeswoman for True Friends, Julie Fasching, said the group was still reviewing the report.

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