[Tell It Right]

I mainly do mutual funds and ETF’s. When I move money around some, it’s largely from analyzing asset classes instead of individual companies. And even when I do that, it’s mainly broad trends more than situational factors. For example, I’m more liable to put more money into my energy fund because it’s below it’s 200 SMA than because Putin invaded Ukraine.

[RoosterRedux]

I think mutual funds are a rip-off, but ETF's are usually a great way to invest. Particularly sector investing.

With most brokerage firms (I use Schwab) having eliminated trade commissions, it is quite easy to create your own ETF. For example, I did this several years ago with QQQ. I went through the 100 companies included in QQQ and selected the stars (and eliminated the dogs)...and then created my own personal "QQQ."

My return has been significantly greater than QQQ. That said, my volatility is greater and that might make some investors nervous. Doesn't bother me because the higher return more than offsets any volatility.