Investors aren't exactly falling over themselves to put their cash into anything other than ultra-safe government securities at the moment. Those brave enough to enter the markets have to navigate extreme market volatility, a crisis of confidence in financial institutions, and the likelihood of increased regulation in certain sectors.

However, there are opportunities out there. One area likely to benefit is the exchange-traded fund (ETF) market. Following the failure of Lehman Brothers in Septemb

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