Q: How do ETFs work?
A: They bundle companies into one product. Example: ARK Innovation ETF bets on new technologies.
Q: What are the strengths?
A: Liquidity and flexibility. They balance portfolios easily.
Q: What are the downsides?
A: Sector ETFs may be too concentrated. Example: vistra stock Emerging market ETFs carry currency risk.
Q: Who should invest?
A: Long-term investors building retirement.
Q: Lesson: They are smart for most portfolios.
