<prompt> Human: Hey everybody,I have a Schwab administered 401k account. Its pretty new so I am just getting around to starting to invest. Being new to the game Im thinking buy and hold is the strategy for me at the moment, and Im mostly interested in etfs.I guess my question is: Should I stick just to Schwab ETFs to take advantage of the no commission trades, diversifying through their domestic, foreign, and bond ETFs? Or should I also diversify with Vanguard, SPDR, and iShare ETFs, even though I will have to pay a commission on those.Thanks for your help!  <response>: Diversification doesnt come simple from having funds from multiple companies. Diversification refers to the types of underlying holdings in your investments. 