A small advantage of the ETF, even to the LT investor, is the EYF will have a lower expense ratio. This is to be expected since the ETF doesn't have all the overhead of a mutual fund.I should take my own advice since I hold a few Vanguard funds where there is an equivalent ETF. You may find that if you are able to have Admiral shares of the Vanguard funds that the expense ratio is the same as the ETF.Bob
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