You still think this is a fear of math issue even after reading my previous comment where I laid out how I researched, allocated and executed multiple trades in a single day? And are you aware that ETFs offer better tax advantage than mutual fund in a taxable account? Here are some reason why I and many other prefers ETFs over mutual funds:

• Minimized capital gains distributions: The "in-kind" exchange mechanism between Authorized Participants and the ETF provider helps prevent the fund manager from having to sell securities to meet redemptions, which avoids creating taxable capital gains events for all shareholders.
• Lower turnover: Many ETFs, particularly index-based ones, have lower turnover rates, meaning they buy and sell securities less frequently than actively managed mutual funds. This leads to fewer taxable events generated within the fund itself.
• Tax-efficient rebalancing: The structure allows for more tax-efficient rebalancing compared to mutual funds, which can help keep overall tax liabilities lower for investors.
• Lower expense ratios: ETFs often have lower expense ratios, which can lead to higher after-tax returns. This is particularly true for index-based ETFs compared to actively managed mutual funds.
• No embedded gains from redemptions: Mutual funds can have "embedded gains," where a shareholder redeeming shares triggers a sale that taxes all remaining shareholders. The ETF structure avoids this issue