[quote=UCGal]I’m mostly mutual funds. But I’ve given up trying to time the market. I set my asset allocation and rebalance when it gets out of wack. I follow the bogleheads lazy portfolio and it’s been better than when I tried to time individual stocks…. and lower cost.[/quote]
What are you looking at in terms of cost on the indexes. I think Schwab just dropped their expense costs so they are actually lower than vanguard right now.