Do believe I have found the holy grail of investing with these two funds, FIVEX and INDEX. After several email exchanges with the company, I decided to buy both as the ETF's are 100% pure (sector) and the mananged fund FIVEX will sometime move a little different, sometimes one is up, the other down, anyway for me it simply makes my portfolio more diversifed and balanced. Can you imanage being able to buy 25 funds within the one fund? Anyone wanting to share their experience, comments, will be appreciated. Good Investing to all, MoDon from the ShowMe state.