…Aren't ETFs really index funds that are not actively managed and therefore have lower expenses?...Many ETF’s are index funds but they can be other things too. As I recall the differenes in expenses might be less than a tenth of a percent so for a $10K fund might only have a price difference of $10 before you consider the commissions on an ETF.For diversification you will want to have several different funds or ETF’s so until your portfolio is in the ballpark of at least $50K then mutual funds will probably be less expensive. Many mutual funds have lower cost versions of their mutual funds for large accounts so they are still competitive with ETF’s.Greg
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