Lesson 3: Same underlying holdings, three different wrappers — pick the one that fits your flow.Same stocks, two wrappers.An ETF and a mutual fund hold the exact same basket of stocks. How different are the two, really?ABarelySame holdings, just packaged and traded differently.BTotally differentThe ETF owns stocks while the mutual fund owns something else.CVeryOne is meant for pros, the other only for beginners.