Investing in ETFs

There's no point in new building a portfolio yourself of 48 different companies. So what I would say is you can use ETFs to kind of then reduce the number of companies you actually need to own for maximum diversification. But we have kind of just mentioned the whole property versus shares thing, the returns. Just work out what 20, 30 years might look like. And it gives you a sense of what sort of gains you would need over that time period.