Hi Anon, I think it's great that you are getting started with your investment journey early. There are many types of ETFs out there, ranging from sector ETFs, index ETFs, growth ETFs, bond ETFs, or even REIT ETFs for that matter. For the rest of my answer, I'll assume you're talking about growth ETFs. As for ETFs vs REITs, I think it depends what your investment objective is. If your objective is capital appreciation (which I feel is what it should be at this age), you should go for ETFs or even pick individual stocks if you have the time to do your research. If your goal is for dividends/passive income, REITs will be a better choice. Also, there is no harm in doing both. To choose between Syfe vs brokers, it depends on your commitment level and your knowledge. If you are well-equipped with knowledge of the markets, I would reccomend opening a brokerage account and picking your indivudal stocks/ETFs. If you're not, you Syfe will ask you a couple of questions based on your risk appetite and reccomend a portfolio to you. The portfolio will have a pre-allocated set of ETFs. With Syfe, you also can set up a recurring payment to DCA into the market. Basically, the amount of work you need to do for Syfe is much lesser. I reccomend that you get started with Syfe (or any robo-advisor of your choice), get a taste of the market and when you're ready, open a brokerage account and start buying indivual ETFs.