Hi Chin,

Don't worry.  If advise does not work out, I never hold the person giving it responsible.  I have about 2/3 of my portfolio in efts, and use mpt.  I have another third in individual stocks.  I live in Boston, and am in a stock  investment club.  I tell everyone if their stock suggestion goes to zero, and I buy it, then I hold only myself responsible, because I use their suggestion as a guide, and then do my own analysis. 

There is considerable disagreement between bogleheads, and stocks pickers about what is true.  I tend to think that the mpt style of investing works better, but I would not dare mention that at my group.  It would be blasphemous. 

What really swayed me in that direction is I occassionally correspond with Travis Morien, who knows an enormous amount about all types of investing, and has read every book out there on stock picking, MPT, etc.  He is a professional financial planner, and after all his reading, decided that the Swedroe approach was the best one.

His website is Travismorien.com.

Thanks again.

Mark