Can sit near the centre
Still needs factsheet and platform checks, but the ETF is not obviously specialist or structurally awkward.
This is the discipline layer: product identity, costs, structure, risk, income, wrapper fit, source confidence and a plain-English verdict. It is designed to slow down bad ETF decisions without making good ones harder.
Start with a ticker, then read the verdict and checklist before you compare performance, yield or cost. The right ETF should survive basic due diligence before it reaches the builder.
Still needs factsheet and platform checks, but the ETF is not obviously specialist or structurally awkward.
Useful when deliberate, dangerous when it sneaks in as a second core with different branding.
Overlay, commodity, crypto, AT1/CoCo, high-yield or unusual exposure should be understood before headline yield or returns matter.