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Exchange traded funds are a great way to diversify your portfolio. I used to hire a financial planner to help me manage my wealth because he had access to complex investments but with ETFs, I can pretty much do everything myself. I may not be as in tune with the market as him, but with a 2% management fee from my advisor every year and another 2% from the funds that he picks, a low cost ETF has a lot of room to underperform the other active funds.