Dave,
I used to work at a large Dutch pension fund, lastly as Director of Fixed Income Investments and Treasury.
So yeah, I know what ETF's are.

I was just pointing out that there's a (risk) difference between money and investments.

 

Thanks for the info, either i look more like a filipino than i thought or the girls at the mall don't know this.

 

IMO that is the case - when I first saw your photo here I thought you were a hot Filipina I met at Why Not disco and had been trying to contact for years. The moustache was a dead ringer.