Hubert Senters here. In the last video, we talked about the top 10 holdings by Hedge Fund ranked on the number one holding, a little what’s the story here for you. I did exactly what I told you. I thought you should do. So top 10 holdings by Hedge Funds. Number one was Facebook all the way down to CMCS. I’m going to chart them. Take a look at them. And a lot of people asked me what my opinion is on Hedge Fund. I’m not a huge fan. I mean there’s very few of them that actually beat the market indexes and stuff. And most of the ones that are really good no longer take money like Paul Tudor Jones and those guys. If you can get in on a good run that beats the markets they’re not bad but as a whole their fees are too high and their returns are too low so I think you can actually do better because a lot of them just aren’t that good. So I’m not a huge fan and they’ve just got a really good track record. And then once again, do you want to be bound always at the top of the market or at the bottom of the market? So I think you can do better both. Just being in a total market index fund in Vanguard and just leave it alone. If you’re not going to do the stuff yourself. Now, if we’re looking at why Hedge Fund may or may not be the thing for you. You can see here in 2018 the number one holding there was Facebook. So in 2018, I’m going to put up the chart up here. The number one holding Facebook 2018. Well, if they’re long there which they’re not but if they are if they just initiated then they’re slightly below water so I’m just going to flip through here Amazon you can see here. That one’s going up. Microsoft, Google, NXPT. That one is down so they are taking the speed on that and you have to remember what Hedge Fund does. They go both long short and they trade a lot options. So they’re always taken different sides of the market so you could have some Hedge Funds that bet on Facebook going higher. Facebook, up here, you go and you’ve got some Hedge Fund that bet on Facebook going lower so if they bet on it going lower at $120 they got smoke as it went to $220 so a Hedge Fund means they’re going to hedge against the general market or go they’re going to place bets on both sides so that’s why it’s important to know the difference. And heads up, if you’re not qualified to invest in a Hedge Fund that really matter you have to be accredited investor. But I’m not a huge fan unless you can just get in one, it’s got a really good track record over the long haul and not just a flash in the pan. They had good returns for a year. If you want to do something that’s a little bit more conservative where I put a lot of my retirement money is the total market index fund in Vanguard and that way I can worry about over here beating the market by myself and if I don’t I’ve got this offshoot where the market beat me. I’m fine with it still return. Hubert.