So I actually checked every MYBB portfolio (that is visible) and was astonished to see that there was almost no purchasing of ETF's. In the few portfolios where there was it was less than 20% of the portfolio. So most people from MYBB that have entered are going with purchases of individual companies. Anyways, I still think diversification has a place so I have bought 100% ETF's, most being STXDIVI and the rest being Nedbank BettaBeta. Gonna see if the diversified lazy mans couch potato approach will get me to the top 20% by year end. I predict it will. Someone betting big on a few companies will beat me but I am not aiming to be the best, only to be in the top 20% and prove once again that managed funds don't often beat the diversified approach.