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No. of Recommendations: 0
For now I don't see anything wrong with just using mutual funds instead of ETF's.

Advantage of mutual funds - you can dollar cost average easier and many will waive minimum requirements if done monthly.

Disadvantage of mutual funds - expense fees can be higher when all added together.

Advantage of ETFs - ease of buying/selling, don't have to wait for market close.

Disadvantage of ETFs - to keep commissions down you need at least $2000 for a buy/sell transaction but some brokerages like Fidelity are offering many ETFs commission free.

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