Lance Alexander speaks with Tim Phillips, Founder, TimTalksMoney about ETF overlap and whether owning several funds really spreads your investment risk. Using VOO and QQQ as examples, they explore how to check shared holdings, calculate your exposure to individual companies and review your portfolio. They also compare dividend ETFs and covered-call ETFs, explaining how these funds generate income, the trade-offs behind their payouts and why investors need to look beyond distribution yields to total returns. Plus, what should Singapore investors check about fees, withholding taxes and currency risk when choosing ETFs for income or retirement?