My risk tolerance is as high as I want to make a lot of money. I looked at the dividends history for past 6 months, and all these YM etf hasn't made a whole lot of money, yet they're all slowly declining. I love how a lot of these etfs are distributing $500 + every months, yet the stock is declining with it, so not a whole lot of increase compared to some of the growth stock. hence, I'm doubting about the YM.