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ETFs also offer diversification benefits which can help spread out risks across multiple sectors or asset classes so any losses in one area can be offset by gains elsewhere. Finally, REITs allow investors to gain exposure to real estate without having to own physical property directly, offering an additional layer of diversification while still providing some upside potential. All of these investments meet the requirements outlined in my directive while also providing the potential for growth over time which is why I believe they are all suitable options.