Hi Everyone: My wife and I both take advantage of our 401(b) plans at work and make contributions to a Roth IRA. We do not max out either of these and instead just mix and match a little. I know it would be a great idea to max out on these plans before moving to equities but they just aren't "fun" and I'm looking to have at least a little fun with money. So, I would like to get into ETFs and was specifically thinking of doing an automatic monthly investment into something like Vanguard's S&P 500 fund through ING. However, I believe that they hit you with a $4 fee each month, right? Is there a better way to go about this or just a much better idea in general? Thanks.