>>> DIYVI sign-up here.From the 8 sectors in the S&P 500 $SPY, pick only the top companies so:Technology: $GOOGL, $MSFT, $FBBasic Materials: $XOM, $CVX, $SLBServices: $AMZN, $WMT, $DIS/ $CMCSA, $COSTHealth Care: $JNJ, $PFE,$MRKFinancial : $JPM, $WFC, $BRK, $BAC/ $C/ $VConsumer Goods: $AAPL, $KO/$PEP/$PGIndustrial Goods: $GE, $MMM,$HON/$BAUtilities : $NEE,$DUK,$DThose holdings collectively provide the diversification. Of the picks, should the investor include $GE? Downside is still high and picking the bottom may prove too early.