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More than 8 in 10 (82%) of financial advisors currently use ETFs in the portfolios they manage. "With one-quarter of Americans today already owning an ETF, these are clearly not niche products," says Martin Small, Head of U.S. "We fielded BlackRock's first ETF Pulse Survey to learn not just 'how many,' but also to understand who is driving the growth, and how these individuals and advisors use and feel about ETFs in the context of their broader investment mix." "What's encouraging is that people who like ETFs really like them," Small adds. "These are confident investors who plan to continue to put their cash to work in the markets with ETFs, and expect to keep it there for the long term. Why? Because they have discovered the beneficial role that low cost indexing, versatility and choice can play in building an investment portfolio that focuses on value and quality. Coming off a record year where more people than ever turned to ETFs, the real opportunity now is to build on this momentum and help them understand how ETFs can enable them to become better investors over time." Other key findings include: ETF investors are generally more active in the markets and hold less cash (17% cash) in their investment portfolios compared to non-ETF investors (29% cash). Of those currently invested in ETFs, nine in 10 (90%) intend to allocate new investments to ETFs in 2017, and four in five (79%) feel positive about their financial future for 2017. More Millennials (age 21 to 35) are currently invested in ETFs than investors on average (33% vs. 25%), and more likely to be planning to invest in ETFs in the next 12 months (70% vs. 52%).

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To help save money and protect the environment, install a solar water heater. Solar water heating options are many and varied, and an online search will provide you with a wide array of choices. They are easily installed in an area of optimum sun exposure or on the roof.

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