So after following the Fool, Morningstar and a couple of other sites, now I feel like I have to make changes, but I'm afraid to do the wrong thing. I've got about $20,000 in a taxable account, split between three big funds. Two are OK but not, of course, matching the S&P. One was sort of a dog in 1998, but is now at 24% YTD. The others are around 15%. I also have $13,000 in an IRA, divided pretty much the same. I think I need to at least reallocate to index funds, maybe Vanguard 500, etc., but I understand the minimum is $3000, which seems like a chunk to be moving at any given time. I also just started a 401K this year, witholding 15%, divided between their "Aggressive" mix, equity, growth, foreign, special equity--no index option available. I have 30 years until retirement. Do I dump all of it immediately for index funds and forget about it, or do I do it gradually to minimize the capital gains nightmare and go for dollar averaging. I'd try the Foolish recipes but I don't have enough confidence to "bet the farm". Any thoughts?