Hi, here's what I think but I might be wrong. There are people on here who might be able to provide better answers. I don't think there are any differences from a long term returns perspective. I guess people investing for the long term choose ETFs over index funds for several reasons. It could be that their provider only offers ETFs in the funds they are interested in, and they don't want to incur more costs by switching providers. It could also be that they just want the flexibility that comes with ETFs.
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