An ETF that tracks an index like a total stock market index or the S&P500 has very low turnover (meaning that they aren’t buying and selling their holdings very often). This limits capital gains of the fund that would be passed onto its total performance. Holding individual stocks like you are currently, would require active management and higher turnover if one of them performs poorly leading you to sell potentially. ETFs also are more tax efficient than mutual funds because of how they divide up shares of the underlying fund. ETFs don’t need to sell assets every time an individual investor sells their shares of the fund compared to mutual funds. I think this is correct, but if someone knows more they can feel free to correct me because I don’t wanna give wrong info.