Subject: File No. S7-24-15
From: Khiem Doan

January 29, 2020

Dear Sir or Madame,

I wanted the SEC to leave my ETF selections and investment choices alone.

I wanted you SEC to know that ETF I am using are giving me a broader selections in investments an safer than owning indivisual stock.

For instance, buying a single stock or investment can be crashed or gone when an individual CEO went rogue or accounting gimmick intensionally to defraud. But not ETF because it packed with multiple companies. If one company went bad, my investment will be effected only partially.