u/More-Temperature-302

I apologize if I’m ignorant but I’m confused why it shows all the companies a certain portfolio holds but after I’m invested into it I only have a few of them. In my situation I invested $700 into the Photonics is next portfolio and it shows it holding COHR, LITE, AAOI, TSEM, CIEN, MRVL, VIAV, AXTI, and AEHR but after investing into it my only holdings are VIAV, AAOI, AXTI, and AEHR. Do I just need more invested?

I bought a new 2024 Ford Maverick at 0 miles at 7.2% interest and put 10k down. I have 13k left to pay with 40 months remaining on my 60 month loan. My current monthly payment is $368. My local credit union is offering me these-

With warranty and depreciation protection: $320 monthly for 66 months at 5.60%

60 months without GAP or warranty, $269 a month for 60 months at 5.24%. This would be for the remaining balance left on my current loan over a 60 month term.

36 months with no GAP or warranty, $415 a month for 36 months at 5.24%

Are these worth it?