On your question about ETFs: definitely do not buy NSC - it's had a shocking run since changing management a while back and it's slide is picking up steam. On the ASX, I like CQG, but others do not and it also has a relatively new manager (new to managing CQG, not to stock picking) - so I could not say 'put the house into it'. The ones the guys gave you that track broader indicies are definitely safer bets - and the research shows that they usually get better results than the active ones.
As you've worked out, ETFs are cool because there are so many. case in point: a US ETF with the ticker HACK which tracks an index of listed cyber security providers. Through an Australian listed betashares fund, you can buy it on the ASX I think - which is quite cool. I own the US listed one. I mention it not as a tip - but as being indicative of the huge range of options.
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