 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 ETF it's a pretty simple equation just like buying an S&P index mutual fund same thing basically so we put our money and I'm in my sixties across four types of mutual funds growth, growth in income, aggressive growth