January often encourages reflection, not just on habits but also on how portfolios are built. A year of narrow market leadership and uneven performance calls for a revisit to a basic question: not what to own, but how exposure is spread across a portfolio.This shift fits well with the strengths of ETFs, which let investors adjust allocation, diversification, and risk without relying on individual stock picks. Instead of chasing trends, investors increasingly used ETFs as tools for managing portfolios this y ...