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The Globe and Mail
Billy Nauman
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Lucas Jackson/Reuters
In the past two decades, consumers have learned to love customization. Spotify playlists have supplanted CDs. Streaming video apps like Netflix are quickly doing the same to cable television. The question is whether this trend will hit the investment industry.
Small-time investors can always pick out a handful of individual stocks to bet on, of course. But for people looking for broad exposure, pre-packaged products such as mutual funds or exchange-traded funds (ETFs), have been basically the only game in town. ....

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