While Wall Street would like you to think that there are new financial products, being created, all the time, real financial innovations are few and far between. In fact, the last significant change happened exactly 30 years ago, with the creation of the exchange traded fund (ETF). Then, a listener wonders if it makes sense to keep 30 inherited individual stocks to collect the dividends. Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!