I suppose I will get a lot of backlash for writing on this topic. But I felt really important that I must address this - The risk of investing in ETF. So if you have been in my Fundamental Scorecard Telegram Group or my Facebook Page, you may have seem what I wrote. The first conversation was someone asking if I will sell my OCBC shares. As I quote and edited some of my words from the Telegram Group: "No. This is a bit different when I sold all my starhill reits. REITs business, in my opinion, is only 1 way. Thru Rental. So at that time when lockdown happens, I think for very long, then I decided to sell. For a bank, bad times and good times, there are ways to earn. Is only how much. Plus provision is expected. Maybe another point is core competencies. I work in Financial institution all my life. So I do know how they work....