 a normal etf well an etf mutual fund function about the same way we recommend mutual funds typically no big difference for purposes of diversification they both accomplish that goal and they both have good long track records if you're doing like an s p 500 et etf it's a pretty simple equation just like buying an s p index mutual fund same thing basically so uh we put our money and i'm in my 60s across four types of mutual funds growth growth and income aggressive growth