It is cheap. You have to be careful of bank and energy exposure and may want to look at a different dividend ETF if you already have a lot of exposure to these sectors. As a product there is nothing wrong with it.

Broad US market, S&P 500 index. It has $200 Billion in assets. It is the largest ETF of them all. A lot of people have domestic and foreign ETFs, but no US ETFs. This represents the whole US market. Long term he is very bullish on the US. It trades in US$.

Hedged US bank ETF. You had to wait to get into this sector until the litigation feast was over. The US banks have lagged the industry.

He likes the equal weight approach. He is looking for a trade here. You could see a bit of a lift on this one.

It would be his favourite Japan ETF because as it is hedged, but he would not buy Japan right now. The currency is all over the place. He is not keen on Japan’s prospects. He prefers the US.

Low volatility S&P 500. There has not been a huge gain since last year. There may be another low volatility ETF that has done better, such as ZMV-T. Watch these things because sometimes the price has been driven up. He may have one of them for a few clients.

3 to 10 Year Hold? Lifecos have long tails. It’s not like car insurance where every year rates are redone. Life insurance policies are for 5-10-20 years, so repricing is very difficult for them. They used to invest in bonds to cover liabilities, but can’t do that as easily anymore because rates are so low, which is pushing them into riskier parts of the investment curve. They missed their numbers by about 13%, although Asia did well for them. Not expensive, but doesn’t see how they make a lot of money going forward. He would rather own a bank for that time horizon.