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Why do all your portfolios have the same ETFs?

For optimal risk-adjusted returns, the determination of various asset classes and the computation of the most appropriate mix of those asset classes is important. ETFs only represent those asset classes so that investments can be made in those asset classes through those ETFs.

For everyone, the same set of asset classes are applicable. For everyone with the same risk tolerance score, the same mix of those asset classes applies. Then we will choose the most appropriate ETFs that represent each of those asset classes. Here again, as the asset classes are same for everyone, the ETFs that represent those asset classes are the same for everyone.