Saving 30 to 50pct buying in bulk replenish-able items from toothpaste to soup or whatever I use a lot of is the best guaranteed return on investment you can get anywhere.
They do a lot of buying and selling on a large, fast-moving bulk market to mix, match and blend to make sure they have a consistent style of wine to offer every year.
The expanded coverage of commission-free ETFs gives self-directed investors a much wider range of choices that covers the bulk of what most individual investors would consider buying anyway.