There's so much wrong with this comment... ETFs are just a way of buying equity, not a market that can be overcrowded. The 2008 meltdown happened because of s

There's so much wrong with this comment... ETFs are just a way of buying equity, not a market that can be overcrowded. The 2008 meltdown happened because of subprime mortgages, the approximate opposite of conservative index fund investments. ETFs are (in this context) just a convenient way of buying modest amounts of an index fund. Index fund companies like Vanguard charge a very low, extremely reasonable commission for both direct purchases and ETFs.