Listened to PC's spiel on their strategy and told their rep, "no thanks," in 2016. A few months later, a woman called back to check if, maybe, I'd changed my mind. I told her nicely that even if PC's service were free, I wouldn't do it. She laughed and thanked me for being honest. It just makes no sense to me to try to allocate money evenly between made up categories of stocks like: energy, healthcare, financials, etc. Why should I invest equally in each of those categories? I'd rather own stocks according to each company's market capitalization. Apple has a bigger market cap than Starbucks for a reason. I want to own more Apple stock than Starbucks'.