I have approx 90,000 in a unit linked fund have noted in my general reading that trackers outperform managed funds. It has long been my intention to move into buying individual shares to have an eventual dividend income but I am coming to the conclusion that perhaps a tracker or ETF would be less stressful - as suggested in 'a random walk down wall street'. Not sure exactly what the difference is between an ETF and index tracker. Will either pay a dividend? if I had a traker or ETF for a few indices or categories would this be a good diversification? Any advice appreciated thanks.