Reisman All advice is most certainly welcome and as l have just started investing , l will say a couple of things.First off l have not owned UMAX or ENCC long enough to have fallen in love , neither have disappointed me either and with my limited exposure , not a minimum of your 100K l am not prepared to daytrade on small market fluctuations. I do however monitor both my investments and SH several times per day and have carefully looked at each of the holdings in both ETFs and l am satisfied with their viability. You have to start somewhere and sometime if you want to improve your family's and l am sure l will make some mistakes along the way , just like everyone else including the professionals.